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Is there a simulator/scenario of simply increasing debt on one of your cards? And how that would impact score?
The simulator does not do it on just one card, it will if you in general raise the debt against all balances.
Just keep these in mind
1) The optimal- AZEO all revolving charge cards reporting a zero balance at STATEMENT cut, with exception of 1 card. That one card can not have over 8.9% of ITS' total credit limit.
2) Always low utilization if can not do #1, no cards ever reporting over 29% of their total credit line, if one must go over say 40%, make sure the overall utilization stays low (account for all cards, example, Card A $150 bal/2000 credit line makes it under 8.9%, but Card B has $1000/$3000 it is at 33% utilzation for its trade line. The two cards together with total balances of 1150/5000 which is under 29% total aggregate utilization. The next threshold on utilization.
thank you, I dont see where you can do it at all