Have you used your card
1. Liquor store
3. For adult entertaiment
4. Cash advance
6. Medical bills
7. Shrink bills
8. Marriage consult
10 Gambling etc,. etc.
Just to let you know, I only use my AE credit card for small things like coffee and gas and I never carry a balance.
Here is what they told me:
1- balance to credit limit- i have a 19% util
2- High balance on revolving - this is true on one card which i have a 0% balance transfer and it stands at 85% util
3- Too many accts with balances- i have 12 credit cards and i only have balances on 3
4- Too many consumer finance company accts- i have no idea what this is and she could not explain what it is. i only have one loan and that is my mortgage which i am never late and have a 55% util on it.
oh well, why put energy to something you cant control.
I really would like to know however, what is consumer finance companies? All my accounts are either CC's are a mortgage.
If you do a search for "consumer finance" you should find a lot of info on this