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Change your thinking about business cards UTL
They have no bearing like personal in fact the more you use the more they like
You can run it up 100% and let the statement cut no biggie
In your case run all 3 up if you like and don't stress the small stuff
@longclimbback wrote:
Thanks journey, that's what I was wondering.
Any time and you're welcome
So take that business worry out of the equation and concentrate on other aspects of the biz
data point: I have 11k used out of 18.5k avaialble on Chase Ink Cash (as part of 0% offer). Over 200k in unused personal CLs. My Amex SPG business 11k out of 23k used (for about 6 months). 7th statement cut and bam, out of nowhere I get an email with a CLD'd to 11.3k. Fico is 757, no major drop. No new apps in about 6 months.
So just a word of caution with Amex Biz cards - don't carry a balance for too long.
@Bobbyjohnson wrote:data point: I have 11k used out of 18.5k avaialble on Chase Ink Cash (as part of 0% offer). Over 200k in unused personal CLs. My Amex SPG business 11k out of 23k used (for about 6 months). 7th statement cut and bam, out of nowhere I get an email with a CLD'd to 11.3k. Fico is 757, no major drop. No new apps in about 6 months.
So just a word of caution with Amex Biz cards - don't carry a balance for too long.
Good to know. Thanks for sharing!
@baller4life wrote:
@Bobbyjohnson wrote:data point: I have 11k used out of 18.5k avaialble on Chase Ink Cash (as part of 0% offer). Over 200k in unused personal CLs. My Amex SPG business 11k out of 23k used (for about 6 months). 7th statement cut and bam, out of nowhere I get an email with a CLD'd to 11.3k. Fico is 757, no major drop. No new apps in about 6 months.
So just a word of caution with Amex Biz cards - don't carry a balance for too long.
Good to know. Thanks for sharing!
Had no problems carrying on simplycash, almost 8 months.
@Bobbyjohnson wrote:data point: I have 11k used out of 18.5k avaialble on Chase Ink Cash (as part of 0% offer). Over 200k in unused personal CLs. My Amex SPG business 11k out of 23k used (for about 6 months). 7th statement cut and bam, out of nowhere I get an email with a CLD'd to 11.3k. Fico is 757, no major drop. No new apps in about 6 months.
So just a word of caution with Amex Biz cards - don't carry a balance for too long.
Wow, thanks for that info.
@Bobbyjohnson wrote:data point: I have 11k used out of 18.5k avaialble on Chase Ink Cash (as part of 0% offer). Over 200k in unused personal CLs. My Amex SPG business 11k out of 23k used (for about 6 months). 7th statement cut and bam, out of nowhere I get an email with a CLD'd to 11.3k. Fico is 757, no major drop. No new apps in about 6 months.
So just a word of caution with Amex Biz cards - don't carry a balance for too long.
We always suggest when statement cuts PIF although I understand the Ink 0% promo usage
SPG usage tho I can't understand why didn't you put it under $0%? (curious that's all)
You were carrying 22k on 41.5k limits 50% UTL
I can see where this may have raised some red flags after an extended period
Depending on what amount you were paying towards the balance and interest over the course of 6 months on SPG.
Since it has no $0% promo this can be trigger ^^^^^^^^