Originally Posted by
drbond
The best way to make your score look good is to take a credit card with a credit limit of 20k, balace transfer check 19k, within two payments drop it to 10k if you have 0% and then split the other over the time period left.
Carrying that much revolving debt will not make your credit score look "good". I've read anecdotal evidence that having small balances reporting may help credit score, but we're talking in the range of 1%-5% of available revolving credit, which can easily be accomplished by just using credit cards for monthly expenses anyway.