Credit To Debt Ratio, What Percentage Is Best?

So I have a few cards that I'm looking to pay off. Right now I have around two thousand dollars in credit card debt. I am not looking to pay them off completely, if I can keep a few hundred in my pocket that would be great.So the question is, what percentage would I want my credit to debt ratio to be? Let's say for example I paid off 85% of my debt, I'd be using 15% of my credit, and I could keep around 400.00 in my pocket and I'd only be paying about 40.00 per month in credit card bills, which I'd much rather do right now so I can spend that 400.00 on some other necessities.So what percentage would you guys recommend?TIA

Lower is better, but carrying 15% shouldn't hurt you. IMO the difference between 15% and 0-1% is pretty small.

from what i understand, there's a <10% and <30% category. if you can get that 15% split between 2 accounts and have each account at 9% or less, i think that would be best.



our FICO scores have always been higher with zero utilization on credit cards.

1% revolving util will yield the best possible scores, imo, every time I've zeroed all cards I take a ding for inactive accounts.

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