Help! How much to leave on a revolving credit card ,2 different lender say different totals ?We live in South Carolina . My fiancé and I are currently working on obtains a first time homebuyer loan which is rural development loan. He 26 and never had credit till his first credit card he was approved for by his bank last year . He was given a credit limit up to 500 . Each treat it will increase in amount if payments are on time and etc . Since June of 2013 He never been late always paid 15-30 % Above the minimal amount of $25.00 and never went over his 500 limit with his bank who sided him the card. No other debt than that credit card payment . He had the same job for 5 years , makes around 14.00 to 16.00 hr. 40 hours weekly, 401 also has money it, never had a NSF with his back since he opened it over 8 years ago . Now here our problem , we were told by 2 different lenders one forms bank to pay off the balance of what was owed on the card of 398 and leave a 70.00. Balance on it and he would rescore his fico which was a 624 at the time . The other lender said pay off all the balance of the card at 398 and leave a 5 dollar balance than rescore and his fico would be over 640 for pre-approval letter for the rural development loan Development lender was with a mortgage company that very we'll know by the real east community . Which is correct? I paid 340 on the card on Cash this week . Leaving a balance of 66.00 on it! Will this rout his score over 640 Or will it hurt us with that balance left on it before he rescore his fico ?April 03 - Spartanburg0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.