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AUs and Util

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Valued Contributor

AUs and Util

Quick question, I just want to confirm that I have this right. DW is an AU on several of my cards. TCL from my cards is about $20k. She just opened a Discover of her own. Her cards are a Cap1 plat and the new Disco. TCL on her TLs is $2,100. When figuring out her util does she have a TCL of $22.1k or $2,100? I'm assuming that my cards factor into her TCL, is that correct? For AZEO as well?
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $300k and TCL > $314k
Message 1 of 8
7 REPLIES 7
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Contributor

Re: AUs and Util

Correct from my experience being AU on my DW accounts. When we have a high spend on her cards it’s a direct hit on my UTI.
FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 2 of 8
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Valued Contributor

Re: AUs and Util

So her TCL is $22.1k and for her to be AZEO she'd need to pay off her cards and only have mine report?
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $300k and TCL > $314k
Message 3 of 8
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Valued Contributor

Re: AUs and Util


@Caught750 wrote:
So her TCL is $22.1k and for her to be AZEO she'd need to pay off her cards and only have mine report?

It doesn't matter whose cards get paid off as long as only 1 is reporting a balance. 

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 4 of 8
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Valued Contributor

Re: AUs and Util

Right but I'm not on any of her accts
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $300k and TCL > $314k
Message 5 of 8
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Valued Contributor

Re: AUs and Util


@Caught750 wrote:
Right but I'm not on any of her accts

Ok, but you asked for her to be AZEO. So she can be AZEO by only having a balance on 1 of her cards. If you mean for both to be AZEO, then yes, it'd have to be a card that both hold.

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 6 of 8
Valued Contributor

Re: AUs and Util

Sorry that sounded brash, I didn't mean it to. Thank you for clarifying.
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $300k and TCL > $314k
Message 7 of 8
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Valued Contributor

Re: AUs and Util


@Caught750 wrote:
Sorry that sounded brash, I didn't mean it to. Thank you for clarifying.

All good. I honestly didn't even notice Smiley Happy

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 8 of 8
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