My credit card debt affecting my credit score?

My credit card debt affecting my credit score?

I have 3 credit cards. One has a limit of $6,000, two $9,750 three $7,000. I heard about the never have more than 30 % debt. well on my 9750 card I carry a 4,000 $ balance,and I make payments each month. Will my credit score get dinged for having to high of a balance on that one card? I could drop it down to 30% I just want to make minimum payments right now. It is a no interest for a year the first month ill pay interest is in May. Just purchased a Car in March, and my credit score came in about 740. The reason for my concern is I plan on refinancing this month or next and wanna make sure my score doesnt go down. thanks

ANSWER: For Credit and finance solutions I always recommend this site where you can find all the solutions. http://personalfinancesolutions.info/index.html?src=WP2travalexlarli

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ANSWER: For Credit and finance solutions I always recommend this site where you can find all the solutions. http://personalfinancesolutions.info/index.html?src=WP2travalexlarli
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My credit card debt affecting my credit score?
I have 3 credit cards. One has a limit of $6,000, two $9,750 three $7,000. I heard about the never have more than 30 % debt. well on my 9750 card I carry a 4,000 $ balance,and I make payments each month. Will my credit score get dinged for having to high of a balance on that one card? I could drop it down to 30% I just want to make minimum payments right now. It is a no interest for a year the first month ill pay interest is in May. Just purchased a Car in March, and my credit score came in about 740. The reason for my concern is I plan on refinancing this month or next and wanna make sure my score doesnt go down. thanks
ANSWER: For Credit and finance solutions I always recommend this site where you can find all the solutions. http://personalfinancesolutions.info/index.html?src=WP2travalexlarli