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Regular Contributor
Posts: 226
Registered: ‎10-12-2012
0

C.C. Reporting and scores??

So common knowledge on here is one card report less than 9% util and all others at 0 for optimal fico. This month I had 3 report balances, all low, util still around 5%, but had an 8 point bump. Thoughts??
Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Virgin Atlantic World Elite MC $11,100, Chase Sapphire Preferred $6500, Fidelity Amex $5000, Barclay Arrival World Elite MC $6000, Barclay Apple Rewards $4000, Citi Hilton Visa Sig., $9800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $7500, US Bank Flexperks Visa Sig, $12,000 Discover IT $13000, Chase Freedom $3500, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
Community Leader
Senior Contributor
Posts: 30,763
Registered: ‎02-07-2013
0

Re: C.C. Reporting and scores??

YMMV 

1 card reporting 0 bal

tried 9% no change 

tried 6% +20 pts

Trying 5% this month will see

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Regular Contributor
Posts: 218
Registered: ‎02-27-2013
0

Re: C.C. Reporting and scores??


myjourney wrote:

YMMV 

1 card reporting 0 bal

tried 9% no change 

tried 6% +20 pts

Trying 5% this month will see


only one reporting bal ? 

Highlighted
Community Leader
Senior Contributor
Posts: 30,763
Registered: ‎02-07-2013
0

Re: C.C. Reporting and scores??


culture wrote:

myjourney wrote:

YMMV 

1 card reporting 0 bal

tried 9% no change 

tried 6% +20 pts

Trying 5% this month will see


only one reporting bal ? 


Yeap just 1

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

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