Hey everyone! I'm planning on applying for the Chase Sapphire Reserve card in April after my current cards report. Before the statement generates next need, I plan on playing the cards down to a very low UTL, so I can have a low UTL for my CSR application.
My question is: I have the ability to pay off every dollar and literally report 0 percent UTL. I heard that's not good though. I have 19k in total limits. I planned on leaving about $500 dollars on a card, so it would report as about a 2.5-3 percent UTL. Is that a good plan? Should I go even lower, should I go higher than 3 percent? Any advice is greatly appreciated!
Side quesiton: Opinions on if my approval odds are good for CSR? Using Experian's score simulator on their app, it shows if I left the 2.5-3 percent UTL, that my score would be 806. So I'm assuming it would be over 800. I also have the "you're already approved" green star and banner in my Chase app. And I'd have that low UTL. Do you guys think my approval odds for that card are strong? If this matters, my current cards and limits are Amex Platinum, Cap1 Venture (12k), Amex Delta Gold (3k), Dell Financial (4k counts as revolving)
