Combining my Cap One cards, will it affect me?

[simplynoir]

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@Gmood1 wrote:
Haven't used mine to purchase anything over $100 since 2016. Yet I continue to see post that state if you don't use it for large purchases regularly, you may be CLD'd. Definitely more to it than that. The other reason given by Cap One is "not enough usage on other lenders accounts". In other words, reports don't show revolving credit activity else where. Best guess, either from the use of CCs that don't report or from people trying to manipulate what reports such as AZEO.

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Interesting. You think that counts more with Capital One? My guess is they want the customer to at least have the option of using the CL if they're showing major usage on other cards with that kind of reasoning.

[Gmood1]

Exactly Noir, folks continue to ignore this factor.
For the last year, my spend has averaged $3 to $6 a month on the Capitol one QS($49.5k). But on other accounts, my reported revolving balances have been as high as $8000 a month. Normal average $4k to $5k a month.
If you're reporting $2 across all accounts month after month..what do you expect them to do?😂

[simplynoir]

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@Gmood1 wrote:
Exactly Noir, folks continue to ignore this factor.
For the last year, my spend has averaged $3 to $6 a month on the Capitol one QS($49.5k). But on other accounts, my reported revolving balances have been as high as $8000 a month. Normal average $4k to $5k a month.
If you're reporting $2 across all accounts month after month..what do you expect them to do?😂

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I can see the logic in that.

[Anonymous]

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@Gmood1 wrote:
Exactly Noir, folks continue to ignore this factor.
For the last year, my spend has averaged $3 to $6 a month on the Capitol one QS($49.5k). But on other accounts, my reported revolving balances have been as high as $8000 a month. Normal average $4k to $5k a month.
If you're reporting $2 across all accounts month after month..what do you expect them to do?😂

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Yes, it's reasonable to assume that the issuers algorithms are tuned to "normal" behavior.   I would guess that a very small fraction of the issuer's base does things like AZEO, so a good assumption would be that that person hardly uses credit and isn't worth pursuing.  (And similarly here we have a few who pay after each transaction: that might be slightly more common in the wider world than AZEO but still very unusual.)

So it's probably not worth it for the issuers to look (if they could) at special cases, and it's also not clear that they would want to.  AZEO users are trying to game the scoring system, what else might they be up to!