topic Re: AUs and Util in Credit Cards

AUs and Util

Caught750 — Thu, 08 Nov 2018 01:31:30 GMT

Quick question, I just want to confirm that I have this right. DW is an AU on several of my cards. TCL from my cards is about $20k. She just opened a Discover of her own. Her cards are a Cap1 plat and the new Disco. TCL on her TLs is $2,100. When figuring out her util does she have a TCL of $22.1k or $2,100? I'm assuming that my cards factor into her TCL, is that correct? For AZEO as well?

Re: AUs and Util

Anonymous — Thu, 08 Nov 2018 02:10:01 GMT

Correct from my experience being AU on my DW accounts. When we have a high spend on her cards it’s a direct hit on my UTI.

Re: AUs and Util

Caught750 — Thu, 08 Nov 2018 02:11:46 GMT

So her TCL is $22.1k and for her to be AZEO she'd need to pay off her cards and only have mine report?

Re: AUs and Util

imaximous — Thu, 08 Nov 2018 02:16:43 GMT

@Caught750 wrote:
So her TCL is $22.1k and for her to be AZEO she'd need to pay off her cards and only have mine report?

It doesn't matter whose cards get paid off as long as only 1 is reporting a balance.

Re: AUs and Util

Caught750 — Thu, 08 Nov 2018 02:17:34 GMT

Right but I'm not on any of her accts

Re: AUs and Util

imaximous — Thu, 08 Nov 2018 02:31:00 GMT

@Caught750 wrote:
Right but I'm not on any of her accts

Ok, but you asked for her to be AZEO. So she can be AZEO by only having a balance on 1 of her cards. If you mean for both to be AZEO, then yes, it'd have to be a card that both hold.

Re: AUs and Util

Caught750 — Thu, 08 Nov 2018 02:37:01 GMT

Sorry that sounded brash, I didn't mean it to. Thank you for clarifying.

Re: AUs and Util

imaximous — Thu, 08 Nov 2018 02:42:11 GMT

@Caught750 wrote:
Sorry that sounded brash, I didn't mean it to. Thank you for clarifying.

All good. I honestly didn't even notice