@Zoostation1 wrote:
@NoHardLimits wrote:I never know when I am going to pull the trigger on a new card product that I hear calling to me. I like to keep my credit profile ready to go at a moment's notice. I should only have to unfreeze my bureaus and then hit the "apply" button.
While I still have almost 2.5yrs until my reports are clean. I'm at the point where I don't want to micromanage what reports at all anymore. I stopped doing AZE1 not quite 2yrs ago. The 3 of my cards that account for about 95% of my spend usually all get a naturally reported balance (unless I'm switching something up to let another card report that I normally wouldn't. My utilization is low enough and the difference in 3 reporting vs AZE1 is little to none on FICO8 (and minimal on other models too). Granted my scores are meh till the BK7 falls off, but unless I'm applying for a loan and need to squeeze every possible point out, I don't think my lack of AZE1 is going to be a significant factor in being approved or denied for a CC (I also probably don't want any more cards - probably won't app for anything anytime soon and will let myself get to 0 HPs (I'm 0/12 on EX and EQ, 1/12 on TU).
Fair enough. Micromanaging # of accounts with balances isn't worthwhile for many people. I don't mind doing it, though I rarely strive for AZE1. I just go for AZE(less than 50%), which in my case is AZE5. I lose a few points at AZE6.
You think that's weird?
a couple months ago I made a payment before statement closing and my statement was going to close with a negative balance, and Amex hit me with what they called a "temporary account adjustment" so Amex unapplied my payment temporarily so my statement closed with a $4 balance instead of negative.
then after the statement closed they adjusted the balance back so it went back to negative 12 or whatever it was. No idea why.
