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DollarPing Strategy Tool
Get personalized recommendations to optimize utilization across all your cards with micro-payments.
Your Credit Cards
Add all your credit cards to get a complete strategy.
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The DollarPing Strategy
DollarPing helps you keep credit cards active with small periodic charges. But beyond just keeping cards alive, you can optimize your overall credit health by strategically managing utilization across all cards.
Per-card utilization matters: Both your overall utilization and individual card utilization affect your score. Even if your total utilization is low, having one maxed-out card can hurt.
The ideal setup: Keep all cards below 10% utilization with small periodic activity. Use DollarPing for cards you don't actively use, and make micro-payments to keep high-balance cards in check.