Established Contributor
Posts: 554
Registered: ‎10-11-2013

Will I be risking AA?

Hello All,

I generally keep my utilization under 10% of my CLs (more like 2-3%), but I will be travelling a lot this month, and may need a couple of months to pay off the expenses. After the trip, I forsee my balances to be:

Barclaycard: 200/1000 (20%)

Discover: 280/1000 (28%)

Citi: At least 200/4000, probably more like 400/4000 (10%)

Amex: Likely around 400/4300 (~10%)


I am up for my 6 month CLI on my Barclaycard in December, and these balances will likely be reporting when they soft me. My 3 month anniversary is around this time for Discover as well. Does anyone forsee any issues if I have roughly these balances? I know I'm likely being paranoid, but I just wanted to be sure that no one will see this as especially risky or whatnot. Also, would it be better to move some of that spending that I will be putting on Discover to my Amex?


 photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo ScreenShot2013-10-12at111542PM.png photo DISCOVER_IT_LG.gif photo 8BEB_SIGNATURE_VISA_CASH_REWARDS_190x124.jpg photo HNY2HNY2.png photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png
$5000 ............ $4300 ............ $4000 ............ $2750 ............ $2500 ............ $1000 ............ $1000 ............ $1000
In the Garden until at least May 2015.
Established Contributor
Posts: 546
Registered: ‎08-30-2013

Re: Will I be risking AA?

Just my opinion-I don't see any problem. They wouldn't have given you those limits if they didn't think you'd use them responsibly. And you still wouldn't be even close to maxing out.

Valued Contributor
Posts: 1,132
Registered: ‎05-17-2010

Re: Will I be risking AA?

I highly doubt you'll be risking AA with those balances.  

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