If you pay it off before the cycle closes it will look like you have 100% available credit.  

So if you credit card statement closes on the 7th pay it off on the 6th in full don't pay it when its due 2/3 weeks later.

Then after three months of doing that your credit score will go up based on the fact that your debt ratio is so low.  That ratio is 30% of your credit score.  It will help quite alot.

Should I avoid credit card use to improve our debt-to-income ratio?
I have built this application and I tried to run it but I could not get the data from a JTextField. I don't know what's wrong... Here is the code that is relevant...

Construct the JTextFeild: (File Main.java)

public class Constructor extends javax.swing.JFrame {

   public Constructor() {
      initComponents();
   }

   private void initComponents() {    
      refernce = new javax.swing.JTextField();
      /*Some other code in here*/
   }

   private javax.swing.JTextField refernce;
      /*Some other code in here*/       
   }


Get the data from the Text Field: (File Save.java)

public class Save {

   /*Some other code in here*/

   private javax.swing.JTextField refernce;

   String refernceText = refernce.toString();

}


Error Report:

Exception in thread "AWT-EventQueue-0" java.lang.NullPointerException
at Save.&lt;init&gt;(Save.java:79)
at Constructor.saveMouseClicked(Constructor.java:444)
at Constructor.access$200(Constructor.java:15)
at Constructor$3.mouseClicked(Constructor.java:210)
at java.awt.AWTEventMulticaster.mouseClicked(AWTEventMulticaster.java:270)
... (it carry on(ask if you need it))


So where have I gone wrong??? Also there are no syntax errors etc...
