12-31-2009 07:53 PM
No hit in utilization if you do a BT at the max CL (utilization is never an issue).
Your AAOA is not hurt (average age does not drop).
New account does not drop your score.
You keep your total revolving accounts low.
12-31-2009 09:53 PM
I'll second that It never hurt anything running a balance, and defaulting is never cool....for the record.
Happy New Year
it doesnt help anything .. but if you run a balance on it .. it doesnt hurt anything either .