Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Yet another UTL question

Ditto. We just say to keep one under 9% of the CL to max out score. But so as long as the balances aren't reporting high for a prolonged period of time whereby the creditor worries, and provided you aren't apping for anything, then any score ding is temporary provided the balances go back down. No permanent damage.


I'll also add you can max out the rewards without letting a balance report. Just use the CCs and PIF before the statement cuts.