Balance Effect Challenge!

[Anonymous]

hey guys,

i've been doing a small experiment regarding balances. i had a total limit of $15,500 and let each card report a relatively high balance (total util 45%). I just got a CLI which kinda messed it up, but how do you guys think paying all but one balance back down to zero, and the one balance about 7% of the total util PLUS a 10k CLI will affect my score?

I've seen about an 80 point drop from letting all the balances report.

best guesses as to how many points my score will improve?

winner recieves infinite kudos and bragging rights  

final tally will come feb. 15

[chalupaman]

Yes. I predict that will all positively affect your score. We'll see what happens.

[takeshi74]

Going from 45% overall with balances on all to one balance at 7%?  Of course.  That's why the "one balance at 10% or less" recommendation exists for those looking to eke out every possible point.