Credit card Utilisation levelling

Mr.NSG

hi there, some help and advice would be very much appreciated.

so I have two credit cards,
Barclay card with a balance of 6250 (of 10600 with 0% interest for 20 months) 
Aqua with a balance of 0  (of 6000 with balance/money transfers 0% for 6 months) 

I am wondering whether to transfer 34% of aqua (2040) to Barclay card  bring the balance to 40%  (4250)
following the transfer. I have a 250 DD to Barclays each month (for 17 months) and 350 DD to Aqua (for 6 month) 

neither card is used for day to day spending and have been working on paying them on as quick as possible. The reason I may do this, is to boost my credit score as I will be using less of a specific card. 

many thanks for any advice

[Deleted User]

No.  Your credit score is irrelevant when it comes to lending and lenders will be looking at your overall indebtedness.

Move the balances to wherever you will pay the least interest and focus on paying off the one which is either at the highest rate or will end first.

D3xt3r5L4b

Forget boosting your score. It’s not a thing that lenders look at.

And leave things as they are with your cards. There’s no point shifting things around that are on 0% promos. 

Mr.NSG

2 for 2, okay. 

many thanks for taking the time to replay. your advice is really appreciated. 
ill leave things as they are and continue to repay as usual. 

thanks again

Fighter1986

Remember a lenders assessment of you is designed to establish how sensible, stable, and pragmatic you've been with your finances.

Continue to be sensible stable and pragmatic, and lenders will see this.

Don't waste time attempting to micro-manage your finances to manipulate a score that lenders don't see anyway. The score is just there as a marketing tool to get you continually coming back to the credit reference agencies website giving them an opportunity to sell you financial products you don't need