Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 2,465
Registered: ‎12-09-2013
0 Kudos

What will happen with one TL 'maxed out'?

[ Edited ]

I have a number of new (less than 3 months old) accounts.  I ran the overall UTIL up to about 30%.  The short term plan was paying it all down to less than 10% in March.  That is not going to happen.  I had a ton of offers from Chase Slate so I applied and was approved for $3k, I was hoping for more in the neighborhood of $7k but I might be able to recon that or transfer some available credit from the Chase Amazon account.  I have a long standing banking relationship with Chase, I'm new to their CCs.


When I BT to Chase Slate and it reports as being 'maxed out' is that going to do something horrible to my credit report or score?  I will have about $4k on NFCU that I would like to move to 0%.  I can certainly move less and pay a little more in interest if having one maxed out trade line is going to do something horrible to my score.  Mostly I am worried about CLD or Balance Chasing on my AMEX accounts.  I don't think NFCU will care, if Commenity closes my account I'm perfectly fine with that and Chase gave me the new TL so they are ok with what I currently have.


I requested the 3X CLI from AMEX on the Delta card last week and was denied.  They listed the reason as my FICO score (653 as of 1/25) they pulled Experian.  I do have score watch here at MyFICO and my Equifax is reporting at 691.  I admit, with a bunch of new accounts, inqs and 30% UTIL I would deny me too!  I didn't even bother with a CLI request on the AMEX Costco card.  After UTIL is down to 3% or less I will request CLIs, but I may need to just let all the new TLs age too.


Once I'm down to two 0% TLs AMEX will be my main target since the APR expries in July and of all the cards I hold AMEX is the one that I worry about the relationship with.  I want them to be nice to me with CLIs and maybe other products in the future Smiley Happy


CardDate OpenedCredit LimitAPRCurrent BalanceMarch PaymentBal after PaydownNotes
AMEX Delta Gold12/9/2013              1,500.0019.24%                   210.00                   210.00                                 -   
AMEX Costco12/9/2013              5,000.000.00%                2,541.17                   541.17                     2,000.000% until July 2014
NFCU CashRewards11/23/2013            17,500.0014.65%                7,123.69                3,000.00                     4,123.69 
NFCU nRewards2/9/2013                 500.0017.49%                            -                              -                                   -  Daily use card, always PIF before balance cuts
Chase Amazon VISA12/10/2013              3,000.0022.24%                   763.36                   763.36                                 -   
Chase SWA VISA1/6/2014              5,000.0015.24%                2,167.40                2,167.40                                 -   
NEW!! Chase SLATE2/19/2014              3,000.000.00%                            -                              -                                   -  0% until May 2015
HSN Mastercard12/26/2013              3,500.0021.24%                   141.23                   141.23                                 -   
Inactive Cards       
GECRB - CareCredit6/25/2013              1,200.0025.99%    
GECRB - Sleeptrain5/27/2013              1,500.0029.99%    
Victoria's Secret12/26/2013                 700.0024.99%    
Lane Bryant12/26/2013                 300.0024.99%    
Total            42,700.00               12,946.85                6,823.16                    6,123.69 
Utilization   30.32% 14.34% 
NFCU nCashRewards VISA - $20,000 | NFCU nRewards $10,000
AMEX Costco TrueEarnings $5,000 | AMEX Delta Gold $1,500
Chase SWA VISA $5,000 | Chase Slate $3,500 | Chase Amazon Rewards VISA $3,000
HSN Mastecard $3,500
Senior Contributor
Posts: 5,488
Registered: ‎11-13-2012
0 Kudos

Re: What will happen with one TL 'maxed out'?

[ Edited ]

Hard to tell on your profile. I was curious myself and let Discover (when limit was 2,5K) report with 90% util...tried to report with 99% but due slow transaction processing that goal not reached. Smiley Sad  But the 90% did not impact my score at all but I have to say due to the other cards limits my overal util was only 3%. Still had a score close to 800 when I did this test. For my profile the only thing that really impacts is the number of accounts reporting a balance but as we have seen on this forum it depends on the bucket you are in. I did not believe it so I paid down the 90% and the score did not really change with same overall util. This is with a grain of salt as tested with my own profile only. (only revolving accounts) So others might chime in.


edit: test was mainly for EQ Fico - TU from Discover / Barclays I do not get on a daily basis but it was still 776 with 90% util when I did the test

Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
0 Kudos

Re: What will happen with one TL 'maxed out'?

You'll see a temporary scoring ding but that's about it and scores will rebound as UTL is lowered

In Fico eyes you will be dinged once for high UTL on the card and then again for being maxed out 

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?
Senior Contributor
Posts: 8,517
Registered: ‎06-05-2013
0 Kudos

Re: What will happen with one TL 'maxed out'?

[ Edited ]

sailor_mercury wrote:
What will happen with one TL 'maxed out'?

How long matters as well. Short term high utilization isn't a problem but prolonged high utilization can lead to AA. Can't give you specific timeframes but I've had a card balance chased for that.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.