Pay off all my credit cards or ?

[Corsica2147]

Pay off all my credit cards debts or pay until I reach the 30% debt to available credit ratio?

I have 2 credit cards. 1 with Wells Fargo with 3000 limit and have 1700 debt and USBANK with 4000 limit with 2500 debt. I am a new graduate landed with a descent job. I was wondering if pay off both of my cc debts would be better or pay until both cards are below 30% of card utilization?

[Stukish]

Lower your debt but don't totally payoff your credit card. A good credit score is earned by people who pay on-time every month. But a good score also reflects your value as a user of credit. If you pay your credit card off, your score can go down! Credit card companies are scoring you so they want you to USE your CREDIT. That is what you credit score really indicates. So, anyway, pay it down if that makes you feel more comfortable but don't totally pay it off. And continue to make payments on time every month.