New Cards Utility Question...

TwinGirls19 · ‎05-03-2013

Is it ok if my cards report like this, as far as a good utilization percentage?

Amex Green NPSL: Payed off Entirely
Chase Sapphire: 500/5000
Citi TY Preferred: 0/3500
Amex BCE: 0/2000
Discover It: 0/1700
Capital One: 0/1500
Bank of America: 0/700

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

myjourney · ‎05-03-2013

@TwinGirls19 wrote:
Is it ok if my cards report like this, as far as a good utilization percentage?

Amex Green NPSL: Payed off Entirely
Chase Sapphire: 500/5000
Citi TY Preferred: 0/3500
Amex BCE: 0/2000
Discover It: 0/1700
Capital One: 0/1500
Bank of America: 0/700

Yes indeed

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

LS2982 · ‎05-03-2013

@TwinGirls19 wrote:
Is it ok if my cards report like this, as far as a good utilization percentage?

Amex Green NPSL: Payed off Entirely
Chase Sapphire: 500/5000
Citi TY Preferred: 0/3500
Amex BCE: 0/2000
Discover It: 0/1700
Capital One: 0/1500
Bank of America: 0/700

Yup thats very good!!!

EQ FICO 548 3/3/16

09Lexie · ‎05-03-2013

Better than my list.

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The Definitive Amex 3X CLI Guide

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TwinGirls19 · ‎05-03-2013

Nice thanks for the feedback! So even if I wanted to, I could report upwards of up to 1440 dollars on the sapphire as long as my other cards are at 0 right? I came at this number because my total credit with all cards is 14,400 x .10 (utility) = 1,440.

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

LS2982 · ‎05-03-2013

@TwinGirls19 wrote:
Nice thanks for the feedback! So even if I wanted to, I could report upwards of up to 1440 dollars on the sapphire as long as my other cards are at 0 right? I came at this number because my total credit with all cards is 14,400 x .10 (utility) = 1,440.

Yup!!!

EQ FICO 548 3/3/16

TwinGirls19 · ‎05-03-2013

Thanks!!!!

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

myjourney · ‎05-03-2013

@TwinGirls19 wrote:
Nice thanks for the feedback! So even if I wanted to, I could report upwards of up to 1440 dollars on the sapphire as long as my other cards are at 0 right? I came at this number because my total credit with all cards is 14,400 x .10 (utility) = 1,440.

You got it

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

nicholasyud · ‎05-03-2013

if you not going to apps for anything then they shouldn't be a problem how they report your balance.

Starting Score: 560
Current Score: ?
Goal Score: 800

enharu · ‎05-03-2013

Yup very good util. Don't try to go above 30% on any one card if you plan to apply for something though. If you are not applying for anything then it doesn't matter.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).