What should my credit ratio be for my credit cards?

I’ve always heard its good to keep your credit/balances at a certain ratio to improve your credit rating. What should mine be? I have 2 cards: one with a $200 limit and the other with a $250 limit. How much should i spend on each?

In your case and with such low limits on both cards… I would stick to a simple $20 charge on each card per month that you can pay off when the bill comes.

If you want to carry a balance… only a very small one. I would not recommend carrying more than 10% of your credit limit as a balance into the next month.

This way you can "tease" your credit card company into giving you a higher limit. Simply because you are cautious and they can’t make a lot of money when you set your own limit at $25 per month.