Established Member
Posts: 12
Registered: ‎04-06-2009

Re: UMB Affinity Cards

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.


New Contributor
Posts: 80
Registered: ‎10-09-2009

Re: UMB Affinity Cards

I'll second that :smileywink: It never hurt anything running a balance, and defaulting is never cool....for the record.


Happy New Year



Woolfman wrote:
it doesnt help anything .. but if you run a balance on it .. it doesnt hurt anything either . 



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