@Anonymous wrote:Was Commenity Bank included in your BK?
Was Chase included in your BK since you have an Amazon card?
What is your average utilization?
Only the Amazon Visa is backed by Chase 
@Anonymous wrote:Was Commenity Bank included in your BK?
Was Chase included in your BK since you have an Amazon card?
What is your average utilization?
Yes, I had 2 Commenity Bank cards IIB.
Walmart store card is not with Chase, it is with GE Money/Synchrony Bank, so is Amazon and Lowe's.
I IIB an old Walmart, Amazon and Care Credit card theough GE Money/Synchrony Bank.
GE Money is now Synchrony Bank.
My average total utilization is 10-12%, my highest ever utilzation since BK was 17% and my current and lowest is 1%.
I have never had more than 20% utilization report for any single card and normally report at 0-10%, however, Barclay's reports at 20% because I am trying to follow the guideline I read to get a CLI and they like balances of about 20%.
Now as far as actual utilization vs reporting utilization, I put through an average of 25-100+% of my CL for each card every month but I make multipe payments and never allow my balance to go over 25% at any given time. I want to show the CC companies that I can handle a higher credit limit but I make multiple payments m onth to ensure I never have more than 25% of my CL charged at any time.
It may not be the right way, but it has worked for me. 
Oops. I hit GE bank hard, I'll probably never get a card there again.
I had $200 ebay credit (IIB)
I had $700 amazon credit (IIB)
I had $150 walmart credit (IIB)
yeah.. If I had a chance to redo that, I would have just opened the amazon credit and kept that.
