topic Re: PART IV- Whats your current Utilization? in Credit Cards

PART IV- Whats your current Utilization?

pizza1 — Sun, 22 Mar 2015 21:36:16 GMT

Whats your current utilization amongst all your REVOLVING CREDIT

$161.85/ $126,730 = 0.00127% (and thats on 1 card)

fico rounds up, so....1%

Re: PART IV- Whats your currently Utilization?

skimmie48 — Sun, 22 Mar 2015 21:14:26 GMT

Re: PART IV- Whats your currently Utilization?

NRB525 — Sun, 22 Mar 2015 21:16:55 GMT

30% of reporting cards. $35,721 on $120,200 (excludes closed cards and Diners)

Re: PART IV- Whats your currently Utilization?

IgnatiusReilly — Sun, 22 Mar 2015 21:17:03 GMT

First off, I am already curious as to what Part V is going to be.

Around 10k on 200k, so I am going with 5%.

Re: PART IV- Whats your currently Utilization?

CraigHwk — Sun, 22 Mar 2015 21:18:37 GMT

1% of 19k

Re: PART IV- Whats your currently Utilization?

Anonymous — Sun, 22 Mar 2015 21:19:20 GMT

Well my EQ shows 7% of 33,800 available.

Re: PART IV- Whats your currently Utilization?

lg8302ch — Sun, 22 Mar 2015 21:22:19 GMT

4% of 153K ...way too much at the moment!

Re: PART IV- Whats your currently Utilization?

sunkissed — Sun, 22 Mar 2015 21:33:27 GMT

Just shy of 6% of 194,080

Re: PART IV- Whats your currently Utilization?

MarineVietVet — Sun, 22 Mar 2015 21:35:36 GMT

The same steady but boring 1% I've had for a long time.

Re: PART IV- Whats your currently Utilization?

Anonymous — Sun, 22 Mar 2015 21:36:57 GMT

@pizza1 wrote:
Whats your current utilization amongst all your REVOLVING CREDIT

$161.85/ $126,730 = 0.00127% (and thats on 1 card)

fico rounds up, so....1%

I'm beginning to see pizza1s game here. A few more of these cc-related threads, then: part 9 "What is your CVV2", part 10 "What is your credit card number", part 11 "What is your name, address, SSN and any other security code."

Good job!

Re: PART IV- Whats your currently Utilization?

pizza1 — Sun, 22 Mar 2015 21:37:39 GMT

@MarineVietVet wrote:
The same steady but boring 1% I've had for a long time.

Boring is awesome Marine! We can be absolutely boring together..... Sure love those sexy scores...DANG!

Re: PART IV- Whats your current Utilization?

IgnatiusReilly — Sun, 22 Mar 2015 21:39:12 GMT

Longtimelurker:

Alternatively, it will be, to paraphrase Groucho Marx: "Are you single? Do you have a Ritz card? Answer the second question first."

Re: PART IV- Whats your currently Utilization?

pizza1 — Sun, 22 Mar 2015 21:39:56 GMT

@Anonymous wrote:
@pizza1 wrote:
Whats your current utilization amongst all your REVOLVING CREDIT

$161.85/ $126,730 = 0.00127% (and thats on 1 card)

fico rounds up, so....1%
I'm beginning to see pizza1s game here. A few more of these cc-related threads, then: part 9 "What is your CVV2", part 10 "What is your credit card number", part 11 "What is your name, address, SSN and any other security code."

Good job!

LOL!!....I wouldnt go that far, but Im curious like everyone else, what their stats are.

ps..you didnt answer the question

Re: PART IV- Whats your current Utilization?

jbsea — Sun, 22 Mar 2015 21:40:35 GMT

4% for the rest of the week that i can bring it back down...

Re: PART IV- Whats your current Utilization?

pizza1 — Sun, 22 Mar 2015 21:41:01 GMT

@IgnatiusReilly wrote:
Longtimelurker:

Alternatively, it will be, to paraphrase Groucho Marx: "Are you single? Do you have a Ritz card? Answer the second question first."

LMAO!!

Re: PART IV- Whats your currently Utilization?

lg8302ch — Sun, 22 Mar 2015 21:44:45 GMT

@MarineVietVet wrote:
The same steady but boring 1% I've had for a long time.

What would happen to your perfect scores if you would let 2% report? Enough already to come down?

Re: PART IV- Whats your currently Utilization?

wacdenney — Sun, 22 Mar 2015 21:49:27 GMT

It's hard to nail this one down because I am constantly making payments and charges and just got a couple of CLIs. Right now CK is showing 6%, but that's not including my last big payments or recent CLIs. I would say 4% is closer to the truth, but luckily we don't have to tell the truth on this one either so I'll just split the difference and say 5%.

Re: PART IV- Whats your currently Utilization?

Anonymous — Sun, 22 Mar 2015 21:50:51 GMT

@lg8302ch wrote:
@MarineVietVet wrote:
The same steady but boring 1% I've had for a long time.
What would happen to your perfect scores if you would let 2% report? Enough already to come down?

Not so much utilization (I also am at 1% or less) but I had 850 on two bureaus that went down when I let 5 cards report a balance, 4 was ok.

Re: PART IV- Whats your current Utilization?

Anonymous — Sun, 22 Mar 2015 21:51:36 GMT

2.9%

Re: PART IV- Whats your current Utilization?

pizza1 — Sun, 22 Mar 2015 21:52:26 GMT

@Anonymous wrote:
2.9%

In FICOS eyes....3%