In 2014 I was a bit wreckless with my cards. Between vacations and a few shopping splurges, I ran balances on most of my cards for most of the year. Some small, and 3 I had 80% balances a large part of the year. One of the cards with 80% balance is set to expire in Feb 2015, so I had planned to get the balance down below 9%, before end of year. I made my initial payment, which got it down to about 30% util. Then, BAM, they gave me an auto CLI. CL went from 2500 to 4700. So I guess some dont mind balances, but they seem to reward you onceyou reign things in a bit. IMO, I think CCC's worry more about new credit, than they do running balances. But thats just my opinion. Good Luck!
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