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@wdkwang wrote:@Pikaboo-icu sorry to see that happen to the person. it's very unfortunate indeed.
As you mentioned, some of my cards are pretty old and I've 99% of the time never had high utilization on them. They're usually within the 0-2% range due to the allocated credit limits. Most recently I had a ~12k balance on the Chase FU card while it was interest free but paid it off in 3 months which is likely what pushed it over to 823. I was stuck between 790-799 for over a year.
Below is a breakdown of my cards prior to the app spree this month sorted by age (oldest to newest). The AMEX Delta and Chase Amazon cards are AU, and I pretty much solely used the BofA card for about 8 years until 2 years ago when i became more knowledgeable about things such as points and rewards. Hopefully the long relationships, history of paying off on time and in full, low utilization will keep me under the radar. The only thing that should stand out to them is the random app spree. Otherwise, I shouldn't be a threat (at least I'm hoping so).
# Name Age 1 AMEX Delta 17Y 8M 2 Chase Amazon 13Y 5M 3 BofA Cash 10Y 11M 4 Citi DoubleCash 2Y 1M 5 AMEX Everyday 1Y 10M 6 BofA Travel 1Y 9M 7 Chase Sapphire Reserve 1Y 8M 8 Chase Freedom Unlimited 1Y 3M
Yeah, you got it going on with that profile..
I'm sure you'll be fine..