I am an AU on the following: Discover, CL $6,000, bal. $173; 4 Chase cards, 3 with $1,000 CL, one with $500 CL, all balances 0 except one $1,000-its balance is $464; B of A, $1,500 CL, bal $550, B of A, CL $500, bal. $132; AMEX, $1,200 CL, bal. $999 BUT it we recently paid these cards way down and shortly thereafter the CLs were lowered to what I have shown here. There were a couple of payments that went 30-days late. I have nothing in just my name.