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If my limit for a credit card is 10K, and I don't really use much of it...say less than 5% per month, would that affect my credit score?
I would rather use my Bank of America card over my Amex for better cash back
That's a good thing and if it affects your credit score it will affect it in a good way, less means lower utilization reported. Also as others have said, just use whatever card is best in maximizing your rewards.