<prompt> Human: Hi all, this is my first post in Personal Finance, a sub-reddit Ive recently discovered! A little background about memy finances may be helpful for offering advice. Im a 27 year old whose FICO score hovers around 783-811 from month-to-month. I pay my credit cards in full every billing cycle and have never missedbeen late on a payment. I have little debt just my mortgage and auto lease, nothing else. All of my monthly bills credit cards, auto payment, mortgage have always been paid in full and on time.Ideally, Id like to have my FICO score consistently remain above 800. Im a person who likes to milk his card rewards for all theyre worth. As a result, I use my cards for everything, knowing they will be paid off in full and on time each billing cycle. This causes my debt-to-credit ratio to fluctuate. Its high sometimes 30 near the end of the cycle, then low once I make my payment. Perhaps I should consider making several payments throughout the course of the credit cycle to ensure a consistently low debt-to-credit ratio? I called the bank that issued me the card I primarily use to ask about a credit limit increase as a way of keeping my ratio down, but I decided against it when informed it would require a hard credit pull.Bank of America reports my FICO score to me, and one of the knocks against me is too many accounts with balances. This throws me off. I have a few accounts on my credit report that have been paid in full previous auto loans. The only accounts I have with balances are my mortgage, auto lease, and credit cards. Perhaps this is still too much? I also wonder if past decisions to buy cars outright and forego financing hurt me in this area, too.Okay, so I think that covers most relevant information? Can anyone offer me some tipsadvice to keep that FICO score consistently above 800?  <response>: Ideally, Id like to have my FICO score consistently remain above 800. Im a person who likes to milk his card rewards for all theyre worth. These two goals are at odds with each other. Personally, I opt for the credit card rewards. My score usually hovers i in the 770-780 range. But Ive had no problem getting the lowest available mortgage rates while lightly churning credit cards. 