Amount last paid spooky?

[FreedomHammer]

My new Fidelity card has been great and has been receiving a lot of activity.

As I do with my other cards, I pay it off most times after the transactions post. 

Only on my EX report does it show an amount of last payment. $2560. 

I'm running through some other family members' expenses through it for cash back. At most, it's around $2500. I always PIF.  

I should note that I am charging more than my income in the hopes of receiving a CLI from Elan down the road. 

Do my other creditors (namely AmEx) see this and care? Or is that my UTIL is 1% azeo (due to my PIF) more important?

Should I back off? 

[SouthJamaica]

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@FreedomHammer wrote:

My new Fidelity card has been great and has been receiving a lot of activity.

As I do with my other cards, I pay it off most times after the transactions post. 

Only on my EX report does it show an amount of last payment. $2560. 

I'm running through some other family members' expenses through it for cash back. At most, it's around $2500. I always PIF.  

I should note that I am charging more than my income in the hopes of receiving a CLI from Elan down the road. 

Do my other creditors (namely AmEx) see this and care? Or is that my UTIL is 1% azeo (due to my PIF) more important?

Should I back off? 

---

What's the credit limit?

I must say that if I were a lender I would be 'spooked' by someone who is charging more than his income, and if I'm not Elan I would not be favorably disposed towards someone doing all his spending on Elan's card instead of ours.

So yes, my suggestion would be to 'back off'

[FreedomHammer]

The credit limit is $6300. 

I've had the card since February, and my average monthly spend is $1600. 

[SouthJamaica]

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@FreedomHammer wrote:

The credit limit is $6300. 

I've had the card since February, and my average monthly spend is $1600. 

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Well I think you'll be better off in the long run to just do normal spending.

[FreedomHammer]

Interestingly enough, I received an email survey from Amex tonight asking me to rate/compare my BCE with my other most used card. 

[Kforce]

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@FreedomHammer wrote:

I'm running through some other family members' expenses through it for cash back.

At most, it's around $2500. I always PIF.  

I should note that I am charging more than my income in the hopes of receiving a CLI from Elan down the road. 

---

Yes, I would back off.

Issuers are known to be concerned when spend is to high for reported income.

For users that are starting out or rebuilding that get lower CL's, they often over look multiple payments and going over your CL monthly, however spending more than reported income is a different subject.

I also do not believe most issuers hand out CL's from high spend.

There are a few but most don't care. (YMMV)

[FreedomHammer]

I've spent about a third of my reported income within four months.