I've read that in order to build credit more effectively, it's often useful to have a non-zero balance on your monthly statement. I've also read that this should be around 10% of one's credit limit.
My question is, in order to maximize my credit score growth
should this be around 10% of my credit limit on each individual card
should my total usage be around 10% of my total credit limit?
For instance, say I have a $2000 limit on one card, and a $4000 limit on another. Should I have around $200 dollars on my statement for the first card, and $400 on my statement for the other card, or would $600 across both cards be the same?
[EDIT]: There was apparently some confusion regarding my question; I was talking about the potential benefits of having a non-zero balance on my statement, which would be immediately paid off in full after the statement is delivered (thus, not carrying any balance over, and not paying any interest). This is as opposed to paying off the card (or the majority of it) prior to the statement, keeping my statement balances near zero.