But just in case you did want to optimize your vantage scores, I have found that two credit cards reporting balances are better than one reporting. So in order to make that work with your Fico scores nearly optimized as well, you would need five credit cards minimum, and three of them reporting zero balance. The other two reporting less than 29%, and total revolving utilization less than 9%. I think vantage scores focus more heavily on credit cards as opposed to charge cards and other revolving credit. I also think that vantage scores punish you more for having shorter AAoA.
