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Originally Posted by Diolla
I am not trying to be flippant but isn't the best 0%? Then you don't have to pay all those finance charges. Running a balance doesn't help you score so why not just pay them off as soon as you can and then don't charge more than you can pay off each month.
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Absolutely. But I think the "ideal utilization" thing is a big deal for some because they want to find a balance between taking maximum advantage of 0% balance transfers and minimizing the hit to their credit score.