Never Max Out Your Credit Cards
One of the surest ways to lower your credit rating is to keep the outstanding balance due on your credit card at its limit. Every time you even come close to maxing out your card it is recorded on your credit card scores. Maxing out your credit card immediately tells the credit bureau that you need money (can’t cover your expenses) and are risky to a lender.
In order to keep the credit bureaus from putting negative comments on your report try to pay off your credit card balances in total each month. Remember, the closer you get that balance to zero the better off your credit will be. In fact there is no way to raise your credit rating fast then by paying off the balance of a credit card debt plus a dollar or two more two weeks before the minimum balance is due.
If you have to buy a large purchase that approaches the maximum limit on one of your cards you are better off to split the cost of it on two credit cards rather than max out just one card.