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What should I do with my credit card balances Quiz Question - Which situation is best for your FICO score: 1. Using my one credit card, each month, for a tiny amount of $5 then paying it off to $0 immediately after receiving the bill? 2. Using all three of my credit cards each month and keeping them all as close to 30% of the limit as I can? 3. Maxing out my one credit card out each month, then paying it off completely when the bill arrives? 4. Rotating my three credit cards around; keeping only one of them at 50% utilization at any given time? 5. Owning two credit cards and only using them in emergencies? 6. Going to the bar and spending all of my money because the FICO algorithms