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Old 07-27-2005, 02:28 PM  
Sly
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Join Date: Sep 2004
Location: Austin, TX
Posts: 31,349
You shouldn't pay it off every month. You need a running balance. Keep your credit cards at about 33%, pay a nice chunk off monthly, but charge it up as well. Every now and then pay down a huge block, then run it up again.

What you're doing is showing responsibility, but not the type of responsibility they want you to have. They need to know that you can handle large credit limits.
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