Feels good not to PIF before the statements close

[masscredit]

This is what I have so far -

November 13th -

Cap 1 - $636.00/$9000.00
Target - $236.00/$3000.00

November 17th -

Cap 1 - $636.00/$9000.00
Target - $236.00/$3000.00
Barclay Apple Rewards - $824.00/$4400.00

EQ04 -
10/30/15 - 723
11/28-15 - 723 - No change with 3 cards reporting

EQ08 -
11/13/15 - 696
11/14/15 - 693 - 2 cards
11/30/15 - 693 - No change with 3 cards reporting

TU08 -
11/10/15- 720
11/30/15 - 720 - No change with 3 cards reporting

December 9th -

Cap 1 - $1322.00/$9000.00
Target - $236.00/$3000.00
Barclay Apple Rewards - $824.00/$4400.00

TU08 -
12/09/15 - 717 - 3 cards reporting

No alerts for an EQ08 score drop yet. EQ04 will report the last Friday of the month (DCU).  Next up will be a substantial balance increase on my Barclay Rewards card (about $6K/$10,500) followed by Walmart (about $150/$10K) and Merrick later in the month (about $1100/$1600). JCP might report a small balance if I do some shopping there before Christmas. 

I'm REALLY hoping some lenders don't get spooked by this. NRB525 - most of your cards report a balance so it's normal for you. This isn't the norm for me. I feel like I'll be shocking the system.

Pizza and others, I don't mind if you post your experiences. Good learning for all of us.

btw- I mentioned doing something like this before but couldn't bring myself to do it. Can't believe I'm doing it now!  

[pizza1]

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@NRB525 wrote:

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@pizza1 wrote:

I can see where you're going with this, and it does makes sense. Someday I hope I can let maybe 2 cards report a small balance, still with obviously 1% reporting. It might be awhile for me, because since my BK, I got myself in the habit of PIF everything, because I don't want to get in the habit of getting lax and then saying...oh, I could carry a balance for a few month just this once though...no, no, no..I have to stay on track and stick to my guns....no exceptions. LOL..

But...Im curious to see what happens with you

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Wow, a real risk taker

I have 19 of 21 cards reporting balances. Most are PIF by the payment due date, nearly all are on autopayment.

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LOL!!!  Im too scared to be honest...

[Involver]

I'm letting all 21 of my open accounts post $5 balances to see what happens.

[redpat]

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@Involver wrote:
I'm letting all 21 of my open accounts post $5 balances to see what happens.

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Nothing will happen, unless you have $10 credit limits on those 21 accounts, lol.

[CreditMagic7]

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@pizza1 wrote:

I can see where you're going with this, and it does makes sense. Someday I hope I can let maybe 2 cards report a small balance, still with obviously 1% reporting. It might be awhile for me, because since my BK, I got myself in the habit of PIF everything, because I don't want to get in the habit of getting lax and then saying...oh, I could carry a balance for a few month just this once though...no, no, no..I have to stay on track and stick to my guns....no exceptions. LOL..

But...Im curious to see what happens with you

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Wow I do wish that i had your steadfast resolve on that, but what you mention is "exactly" what i practice. if i want to run balances i do, and not just this once but many times. However i don't keep them running too long and some of them are to deliberately throw off the routine charting the computers do as well as some leverage when doing credit limit increase requests directly with the U/W's. So far so good but yours is so much more aggressive.