Moderator Emeritus
Posts: 32,881
Registered: ‎08-04-2007
Re: Could a person who just charges a few dollars a year once or twice a year get a 800+ FICO score?

Points gained would go more to Person #1, all else being equal. Why? Because person#1's utilization would be much lower in your scenario. It doesn't matter how much you charge on a matters how much is reported in relation to the reported CL. The only consideration would be activity. FICO will ignore balances and CLs if a CC hasn't reported in months, though that time frame is uncertain. Ideally you'd want to use it every 3-4 months to keep activity on an unused card and to prevent the creditor from closing it due to non-use.