I don't understand where you are getting this 2500 total cl? I also had several other cards. 640 fico? I believe that there are 3 bureaus. And that score is from 2015 when I first started to build my credit.
I think that your process of how this is actually happening, the 46 nights at the Ritz Carlton on 2500 is really off. You are completely misunderstanding a lot. I do have more than one card.
