Valued Contributor
Posts: 1,900
Registered: ‎01-05-2010
Re: Negotiating # of cards with balance when dealing with Charge (Open) Cards

Util matters, but util is not all. Yes, if the Gold is >0% and the Freedom is 0%, your FICO util is 0%. Still, your score will be impacted, if the Gold balance is something like $10,000. But it beats the other way around!