Discover sensitive to credit seeking?

[Anonymous]

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@xaximus wrote:

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@Anonymous wrote:

1% util makes no difference. 

Individual card under 28.9% and aggregate util under 8.9% are all you need. 1% would actually look like you don’t use credit in a review and could do more harm than good. 

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I believe as long as it's not 0% (no credit used at all), then you don't get dinged. I don't think it's necessary to have to report a higher UTI (upto 8%). As long as you're between 1-8%, you are fine. I've kept mines pretty much consistent in between 1-2% and never let it get any higher then that. 

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While this is true for those of us with large credit lines, OP doesn’t have those. My suggestion was specifically for OP, not in general. 

[Anonymous]

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@Fated4Credit wrote:
@ Saeren: When I said 1% I was more thinking along the lines AZEO, & getting every last point as I possibly can. Does it really matter which card I leave the balance whether it has a large or small CL?

If I left for example $75 on my QS since that has the smaller CL & 0 out discover would still put me @ 2% overall UTIL 6% for indidviual card. Hopefully chase & synchrony wouldn't frown on that too much as long as my overall profile is in good shape.

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That would be fine. You’re definitely overthinking it a bit. Even with organic spending habits, with lower limits they would be expecting higher balances from a “normal” consumer. 

[Fated4Credit]

Well I do tend to overthink/worry on certain things, its a bad habit of mine that I'm trying to break