Simulator Suggestions...Interesting

[Anonymous]

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MidnightVoice wrote:

Actually I guess that kinda makes sense.  With high scores and low util, FICO likes to see half the cards with a close to zero balance.  Maybe with lower scores and high Util, it likes everything spread.

And it probably frightens the CCCs less as well

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So maybe I will just BT them over and then fill the tank up once on each one? lol

[Anonymous]

Congrats on yr new card!Hi whats yr scores? where does NFCU pull frm? and is this yr first card with them ? I bank w/them but hvnt applied for anything yet? Oh any baddies in the past 24mths?

[Anonymous]

Bear in mind the FICO formula factors in your total utilization, as well as the utilization of each individual card. This is why BTs rarely give the FICO score boost people expect.

So getting a new credit card with a high CL will help your total utilization, but for true FICO love, you've got to pay down all the CCs.

[Anonymous]

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TheNewWorldMan wrote:
Bear in mind the FICO formula factors in your total utilization, as well as the utilization of each individual card. This is why BTs rarely give the FICO score boost people expect.

So getting a new credit card with a high CL will help your total utilization, but for true FICO love, you've got to pay down all the CCs.

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Well with that being said I'll let my new card marinate for a while and just pay down the little cards.

[Anonymous]

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mrsanderson wrote:

Congrats on yr new card!Hi whats yr scores? where does NFCU pull frm? and is this yr first card with them ? I bank w/them but hvnt applied for anything yet? Oh any baddies in the past 24mths?

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MrsA!

NFCU pulls EQ (my best for now) and I got my new card literally minutes after I opened my ck/svgs accts.  Most people got both the MC and VISA cards at once.  I only opted for the MC.  A lot of folks on the various boards have the NFCU Trifecta!  I've got the card and currently pursuing a mgtg w/them now. I'm hoping to do an auto deal as well but I have to first wait and see what the house deal will be.

I totally love them already.

Good luck!