I have an AMEX PIF gold card that I'm an auth user on. Because it's not my account, I don't have any control over what the open balance is on the card from month to month. Currently the balance is reported at 1752 and the high balance is 5504. The only other TL I have showing (until my two new AMEX's come in) is a $300 limit card that I paid down to below $19.00 from $224 since it was last reported. I thought that would increase my utilization but now that I read more about the way AMEX reports, I'm not sure if it will have any affect at all. Should I see any kind of increase with the paying down of my only true credit card? How soon will it be till I see the two new AMEX TLs on my report? Will those new limits count right away towards my utilization?
