wrote:
wrote:
The bottom line is that you don't want any unexpected surprises. The worst would be the highly unlikely event that the card didn't continue to report. As mentioned, there's also utilization and number/percentage of cards reporting balances. Even with several cards, depending on one's profile, percentage of cards reporting balances could possibly have an effect. My EQ score is especially sensitive to that.
The other piece of info we don't know is mom's mortgage scores. We don't know if she has a cushion to play with or not.
Utl is at 2%. And Mortgage Scores were all between 797 and 802 range.
You'd still need to tell us how many cards your mom has now.
The util figure is good. Do you feel that she can keep her util very low after the card closes and she loses its credit limit?
