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Low or none credit card util. Question !

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NRB525
Super Contributor

Re: Low or none credit card util. Question !

If it is your only Citi account, and you use it every other month for a small charge like a lunch in the cafeteria, or picking up a small bag of groceries at the store, it puts just enough activity on the account that it would likely never be closed. Let the small charge report and pay it just before the due date, then pick up the card after the next statement is issued to use it again for another two month cycle.

 

I have a Citi DP with a $1k limit. Wowsa! It is a Black Card however, so if you want to impress people it works for that. No one, honestly has commented on mine, but maybe I'm not flashing the inlaid diamond enough as I give it to the cashier.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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