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Am I clear on utilization?

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Community Leader
Senior 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 NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | 2017 Audi A6 Prestige S-Line





TCL $93,100 | Agg. Util under 5%
Message 11 of 13
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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: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
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 Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 12 of 13
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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 10-7-19
Message 13 of 13
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