Too many cards with balances. I had to smile, but I didnt argue. My balances are less than $100, PIF each month except for the one card I used for Christmas...and that one is 0% interest...which is why I used it. Out of about 13 credit accounts I carry maybe 4% utilization right now (including Christmas!)
Chase Freedom $2500...NFCU $17,500...Cap1 $3900...USAA Amex CashBack Reward Plus $16K...Amex Everyday $1K...Discover iT $5500...BofA Royal Caribbean $1600...Kohls $600...Best Buy $2K...Dell $4K...Conns $4K...Blue Nile $2K...WalMart $2700...Discount Tire $2700...AZSTCU Visa $5K...PayPal $1800...USAA Visa $7500...Merrick $1600...Target $300...USAA Rewards Visa $6K...Home Depot $500...Old Navy Visa $1K...Citi HiltonHonors Reserve Visa $7K...USAA Amex Reward (2nd card) $11K...Williams-Sonoma $3K...Crate & Barrel $7K...USAA Cash Reward Amex (3rd card) $7500...NFCU Signature Visa $14,500...AMEX PRG (NPSL)... FINALLLLLLY, drumroll please... Marriott Rewards!!!! $7500. (Now I'm done. Gardening for the rest of 2016!)
