My limit was $750, and I spent about $735 in the past two months that I have not paid off. I thought I had money coming to me but it never got to me. I'll be able to pay off the card in about 2 weeks so that it's down to about $350, and all the way off in a month. My credit score now is around 681 according to the thing my credit card company sends me in the mail (some program that is said to help build credit. What will it be in about 2 months, once my bill is paid off?
You don't want to pay the card all the way off. Leave at least 30% on there to optimize your credit. One thing you can do is call the credit company and ask for an increase in your credit limit. Chances are that if you have a 650+ they will give you the increase. Going over the limit does hit your credit score quite a bit. I have seen plenty of credit reports with scores under 600 with 0 lates just because the balances are too high.
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