Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 868
Registered: ‎10-11-2013
0 Kudos

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 NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Valued Contributor
Posts: 1,244
Registered: ‎08-30-2013
0 Kudos

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: 1,193
Registered: ‎05-17-2010
0 Kudos

Re: Will I be risking AA?

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

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818

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.