When should I start to worry about AA?

[SRT4kid93]

At what point would you say AA becomes likely? 

for example I am currently intentionally letting my capital one card report 60-70% util (and I will to continue to do this for at least the next 3 or so months )

aggregate util ratio of 20-25% each month. So while my aggregate is under 30%, one of my cards is well over 50%. Should I be worried?

my main concern is Amex as I have heard they spook easily especially with newer accounts and theywill put a preset spending limit on your card if they see high util and then it can take forever to get out of the doghouse

[JoeRockhead]

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@SRT4kid93 wrote:

At what point would you say AA becomes likely? 

for example I am currently intentionally letting my capital one card report 60-70% util (and I will to continue to do this for at least the next 3 or so months )

aggregate util ratio of 20-25% each month. So while my aggregate is under 30%, one of my cards is well over 50%. Should I be worried?

my main concern is Amex as I have heard they spook easily especially with newer accounts and theywill put a preset spending limit on your card if they see high util and then it can take forever to get out of the doghouse

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Does it really matter if people were to give their opinion, or say yes, or no?

[Jnbmom]

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@JoeRockhead wrote:

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@SRT4kid93 wrote:

At what point would you say AA becomes likely? 

for example I am currently intentionally letting my capital one card report 60-70% util (and I will to continue to do this for at least the next 3 or so months )

aggregate util ratio of 20-25% each month. So while my aggregate is under 30%, one of my cards is well over 50%. Should I be worried?

my main concern is Amex as I have heard they spook easily especially with newer accounts and theywill put a preset spending limit on your card if they see high util and then it can take forever to get out of the doghouse

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Does it really matter if people were to give their opinion, or say yes, or no?

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Exactly 

[millionsofmiles]

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@SRT4kid93 wrote:

At what point would you say AA becomes likely? 

for example I am currently intentionally letting my capital one card report 60-70% util (and I will to continue to do this for at least the next 3 or so months )

aggregate util ratio of 20-25% each month. So while my aggregate is under 30%, one of my cards is well over 50%. Should I be worried?

my main concern is Amex as I have heard they spook easily especially with newer accounts and theywill put a preset spending limit on your card if they see high util and then it can take forever to get out of the doghouse

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Here we go again.

Please make it stop.😩

[Patient957]

@SRT4kid93 

How many angels can dance on the head of a pin?

[Jnbmom]

Honestly AA can happen for many reasons . I have had lines cut why b/c I didn't use the card enough so did I really need that 20K line nope so its reasonable to expect it at some point. You can get AA for many reasons but no use in worrying about and going through all scernarios it just happens at time way too much overthinkiing it  . Maxed out your cards and pay the minimum then yes you may get it, miss a payment yes you may get it. We can go on and on. But really what's the point . AA happens for various reasons, creditors all have their analogies they use. Just use your cards keep your utilization low and don't miss any payments . Really no point to try to figure out if it will happen or not 

[SRT4kid93]

@Jnbmom @Patient957 @millionsofmiles @JoeRockhead 

im sorry guys, I don't mean to be annoying and I do appreciate you being patient with me. I am a classic over thinker. I do value your opinions, so yes to me your opinions matter greatly. I know sometimes it may seem like I am arguing or that I don't listen to what you guys say, but that is not my intention. I listen to everything you guys tell me,  sometimes I debate but I'm inquiring and asking questions to learn, not to argue.

but you are right. In the grand scheme of things. There are way too many variables. what causes AA for one person may not for someone else. Point taken.

[Patient957]

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@SRT4kid93 wrote:

@Jnbmom @Patient957 @millionsofmiles @JoeRockhead 

 I am a classic over thinker.

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Overthinker? You, @SRT4kid93 ?  No way!

Seriously, though, don't worry about it.  It's all good.  Most of us have nothing better to do than sit here and laugh at and/or respond to your over thinking, while we tend our gardens.

[Anonymous]

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@Jnbmom wrote:

 AA happens for various reasons, creditors all have their analogies they use. 

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First I've heard about that!   "Your recent spending is like a tree that is spreading over a small brook.  It appears sturdy but a rainstorm may come..."

[Jnbmom]

Really lol . I have cards I haven't used in over a year no AA , I have cards that I get an email to use my card  when it hasn't even been 6 months , so yes creditors have they own system they rely on .