@Thomas_Thumb wrote:First, please STOP this insanity of always quoting the prior post. It took me 5 minutes just to scroll through all the quote garbage on my phone.
Cards reporting a balance is a point in time metric. Therefore, the prior 7 months is not looked at by Fico when changing which card reports a balance. Just remember, it is better for 2 cards to report small balances than zero. By small I mean less than 9% of the card's CL.
Reminder - STOP the quote insanity. If you must quote, delete the old quotes and just show the most recent quote to provide context continuity.
This ^^^^^^^^^^^^^^^^ Even on a dektop it was scroll and scroll. Theres the tag "@" option please.
1. Utilization has no memory.
2. I agree with @Thomas_Thumb and @FireMedic1 that you should stop making indiscriminate use of the Quote function.
