GREAT graph. It clearly illustrates what self-discipline and maintaining to a pre-established plan looks like.
Keep doing exactly what you are doing as it is working well for you ! ! ! !
Wow you keep really good records!
Yeah I'd be curious to know all of that but even just a general sense of your utilization would be satisfying--I'm guessing you maintained attractive levels for all those approvals!
* this graph below is simply a Masterpiece. a Picasso of utilization discipline.
16-May 16-Jun 16-Jul 16-Aug 16-Sep 16-Oct 16-Nov 16-Dec Credit One 12% 2% 6% 0% 3% 0% 0% Closed Capital One 9% 7% 0% 7% 8% 6% Discover 8% 18% 18% 11% 0% Victoria's Secret 9% 0% 0% 6% 0% NFL Extra Points 8% 7% 8% 8% 0% Total UTIL 12% 2% 9% 7% 5% 8% 7% ?
I spend way too much time on my spreadsheet, lol!
I figure just giving the percentages is a good place to start. As you can tell, I haven't been perfectly below 10% UTIL with Discover and they gave me my first $500 CLI 31 days ago. I am about to hit them up again, but the payment to bring it down to 0% is pending. Probably be able to give it a try tomorrow. My new jetBlue card will post its first balance next week, and I'll probably let it post 10-15% this first time around. Been toying with the idea of moving the NFL limit over to the jetBlue, though.
Fantastic utilization! Thanks for sharing.
I had a similar experience with Discover--they approved me for $2500 SL and then after two months bumped me up to $3000 without even asking.