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AZEO Method Question: Store Cards vs V/MC/D?

ComeBackLady
Established Contributor

AZEO Method Question: Store Cards vs V/MC/D?

AZEO Method Question: Store Cards vs V/MC/D? 

Ok. Things are starting to be decently established and I'm circling to get to the AZEO. Not all my cards report at the same time. I may be confused on them.  The timing. 

To get the benefits of AZEO....

 

1. Are Store Cards like TargetRED (not a V or MC or Amex) and Comenity and Synchrony included in that? Do I need to have my Target RED when it cuts and reports be at 0 as well as Overstock?


Or is it only the Credit Cards which in some way are Visa, Mastercard, Discover and Amex (I wish)? This is what I'm understanding. But I'm not sure. 

 

2. Of course, it's when the card reports which I may not be 100% up on. Sure they report right after statement cut date. It looks like they report other days too, but that might be me overexcited. It's when they report. Which then is how they stay in my CS for the month until that one cuts anew. Doesn't matter so much that I PIF'd and then something came through again and it reports. Yes? 

 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 1 of 7
6 REPLIES 6
gdale6
Moderator

Re: AZEO Method Question: Store Cards vs V/MC/D?


@ComeBackLady wrote:

AZEO Method Question: Store Cards vs V/MC/D? 

Ok. Things are starting to be decently established and I'm circling to get to the AZEO. Not all my cards report at the same time. I may be confused on them.  The timing. 

To get the benefits of AZEO....

 

1. Are Store Cards like TargetRED (not a V or MC or Amex) and Comenity and Synchrony included in that? Do I need to have my Target RED when it cuts and reports be at 0 as well as Overstock? ALL revolving cards are included in the AZEO method.You only want one revolving card bankcard or store to report a small balance at the CRAs


Or is it only the Credit Cards which in some way are Visa, Mastercard, Discover and Amex (I wish)? This is what I'm understanding. But I'm not sure. 

 

2. Of course, it's when the card reports which I may not be 100% up on. Sure they report right after statement cut date. It looks like they report other days too, but that might be me overexcited. It's when they report. Which then is how they stay in my CS for the month until that one cuts anew. Doesn't matter so much that I PIF'd and then something came through again and it reports. Yes? Some banks like Synch may report more than once in a month if you have multi cards so I would not use them in AZEO and just make sure they are always as zero as each statement date comes up.

 


 

Message 2 of 7
ComeBackLady
Established Contributor

Re: AZEO Method Question: Store Cards vs V/MC/D?


@gdale6 wrote:

@ComeBackLady wrote:

AZEO Method Question: Store Cards vs V/MC/D? 

Ok. Things are starting to be decently established and I'm circling to get to the AZEO. Not all my cards report at the same time. I may be confused on them.  The timing. 

To get the benefits of AZEO....

 

1. Are Store Cards like TargetRED (not a V or MC or Amex) and Comenity and Synchrony included in that? Do I need to have my Target RED when it cuts and reports be at 0 as well as Overstock? ALL revolving cards are included in the AZEO method.You only want one revolving card bankcard or store to report a small balance at the CRAs


Or is it only the Credit Cards which in some way are Visa, Mastercard, Discover and Amex (I wish)? This is what I'm understanding. But I'm not sure. 

 

2. Of course, it's when the card reports which I may not be 100% up on. Sure they report right after statement cut date. It looks like they report other days too, but that might be me overexcited. It's when they report. Which then is how they stay in my CS for the month until that one cuts anew. Doesn't matter so much that I PIF'd and then something came through again and it reports. Yes? Some banks like Synch may report more than once in a month if you have multi cards so I would not use them in AZEO and just make sure they are always as zero as each statement date comes up.

 


 


Thank you so much for confirming and clarifying. 🙏🏻 I'd thought it was all revolving. And then somehow had understood only CC's. I used my Discover It literally the last day hours before it cut, thus leaving me with 3 cards reporting... all small balances. 🙃 Not quite there this cycle. It'll take another month to get it there. Still this month my aggregate utilization should be good. I think OS reported my purchase before payment and CLI... one card with close to 29% utilization. 🙃 When usually I have it all around 6-8%. Next month. 🙏🏻 Thank you so much. 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 3 of 7
Birdman7
Super Contributor

Re: AZEO Method Question: Store Cards vs V/MC/D?

@ComeBackLady you do not want to use a store/retail card as AZEO card. Use V/MC/D as AZEO card.

Message 4 of 7
ComeBackLady
Established Contributor

Re: AZEO Method Question: Store Cards vs V/MC/D?


@Birdman7 wrote:

@ComeBackLady you do not want to use a store/retail card as AZEO card. Use V/MC/D as AZEO card.


Yes! I think I understood that somewhere... part of that's b/c doing that builds the Luv with the V/MC/DC Bank 🏦... , yes? 🤔

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 5 of 7
Birdman7
Super Contributor

Re: AZEO Method Question: Store Cards vs V/MC/D?


@ComeBackLady wrote:

@Birdman7 wrote:

@ComeBackLady you do not want to use a store/retail card as AZEO card. Use V/MC/D as AZEO card.


Yes! I think I understood that somewhere... part of that's b/c doing that builds the Luv with the V/MC/DC Bank 🏦... , yes? 🤔


@ComeBackLady no because you'll lose points if you don't. 

Message 6 of 7
SouthJamaica
Super Contributor

Re: AZEO Method Question: Store Cards vs V/MC/D?


@ComeBackLady wrote:

AZEO Method Question: Store Cards vs V/MC/D? 

Ok. Things are starting to be decently established and I'm circling to get to the AZEO. Not all my cards report at the same time. I may be confused on them.  The timing. 

To get the benefits of AZEO....

 

1. Are Store Cards like TargetRED (not a V or MC or Amex) and Comenity and Synchrony included in that? Do I need to have my Target RED when it cuts and reports be at 0 as well as Overstock?


Or is it only the Credit Cards which in some way are Visa, Mastercard, Discover and Amex (I wish)? This is what I'm understanding. But I'm not sure. 

 

2. Of course, it's when the card reports which I may not be 100% up on. Sure they report right after statement cut date. It looks like they report other days too, but that might be me overexcited. It's when they report. Which then is how they stay in my CS for the month until that one cuts anew. Doesn't matter so much that I PIF'd and then something came through again and it reports. Yes? 

 


Yes you should have your store cards report at zero.

 

No you should not rely on a store card as your one balance-reporting card; they are often not counted.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 745 TU 750 EX 730

Message 7 of 7
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