12-23-2012 12:33 PM
It seems anecdotal evidence has determined PIFfing all but one card is the best strategy. If you have multiple cards would it be beneficial to rotate the non-PIF card? With three cards each would report a balance 4 times per year yet would have purchases that the creditor internally would see.
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.
Minor vulgarity edit --Rev
12-23-2012 05:56 PM
12-24-2012 04:10 AM
I do not watch or track how many cards have balances reporting. However, I do use my sock drawered cards every three or four months. When doing so, I allow one of my prime cards to have a break. I usually have three or four report monthly incluidng the joint cards with my wife. My wife and I have mostly separate credit files except our auto loans and two credit cards. Her Fico scores are above 800 with no mortage and mine in the siggy below.