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Am I clear on utilization?

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Anonymous
Not applicable

Re: Am I clear on utilization?

Yeah it’s been awhile from the sounds of it but from looking at your sig, you can absorb it easily with no ill effects. It’s the price you pay but it’ll be pretty palatable on your profile.
Message 11 of 13
FlaDude
Established Contributor

Re: Am I clear on utilization?


@StillKicking wrote:

Been kicking around the Disco idea...But the thought of new INQ/HP kinda pisses me off a little. LOL.


Short term pain for long term gain. INQs only count for a year. Personally, I'd be worried about all of your eggs in one basket, especially if you travel. Being far from home and having a card (or all cards from a provider) shut down for suspected fraud or some other reason could be painful. Personally, I'd want cards from at least three providers, and not all the same type, either.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)
Message 12 of 13
StillKicking
Contributor

Re: Am I clear on utilization?

Very little travel at all.

 

Did an Incognito pre-qual on Amex. "We could not find any pre-quals for you".

 

It would be safe to assume I'm blacklisted.

Fico 8 Scores 10-19-20
Message 13 of 13
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