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Am I clear on utilization?

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Valued Contributor

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.

Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex

Entering the garden 5/27/2019, staying until 2020

Message 11 of 13
Frequent 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.

Current Score: Mar 2019: EX FICO8 779, TU FICO8 800, EQ FICO 780, TU Vantage 773, EQ Vantage 786
AoOA: closed: 35 years, open: 24 years; AAoA: 11.8 years; Inquiries: 2019: 2, 2018: 3; No BK ever, 1 30 day late in 2013
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Sync Lowes, Sync JC Penney - total CL 129k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 12 of 13
Valued Member

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 9-5-19
Message 13 of 13
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