Now that Christmas is Over(Utilization)

alinoapa · ‎12-28-2014

Now that Christmas is over, how much did your utilization increase, and for some decrease

EW800 · ‎12-28-2014

I shouldn't have any change. I only allow about $10 to report on one account. Thankfully, I am in position to be able to PIF all Christmas expenses prior to statement cuts.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Creditwiser · ‎12-28-2014

approximately 20-25% for me. And Im not happy But next month I'll be back to my <10% as I PIF the accounts

NRB525 · ‎12-28-2014

Since my gifts consisted of $50 of various interesting food products from a local mall store, Christmas cards for $30, and $100 gift to my sister, zero effect on utilization

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Ragelog · ‎12-28-2014

No higher PIF my Freedom card before my statement cut on 12/24.

EQ04 675, EQ08 676, EX08 719, TU08 703 $12704.75/$123050 Revolving Credit (All 0% or 1.99%) - In Garden Since 5/25/2016

Last negative item should fall off in July 2017.

coldnmn · ‎12-28-2014

0% change, chunks of coal prices are still affordable!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

Anonymous · ‎12-28-2014

Utilization from Holidays is 0%. Everything is paid off.

wmweeza · ‎12-28-2014

Total increase of about 5%

Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $5000,Barnes $8500,Amex $22k

jstyle408 · ‎12-28-2014

30% on my freedom card..

CreditMagic7 · ‎12-28-2014

16% on Sam's Club MC for the 65inch JVC (AmTran) flat screen i been trying to get a discount on. Found it at 698.00 + taxes, Thanks Fat Wallet.