Balance transfer to lower largest CL util at temp full util of another?

[dragontears]

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@Anonymous wrote:

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@Anonymous wrote:

Ah yes! It's the Delta SkyMiles Platinum Amex.

Called Amex and couldn't get an IR reduction. Working on a GW to Citi today for the 3 30 days on my CR. Hopefully that works and then finally I can reduce my crazy high rates!

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I believe that the Delta card are charge cards? @Anonymous 

While your raw $ owed to Amex reduces you should see your score increase, because there are raw $ thresholds, too, but my understanding is that charge cards do not factor into utilization. It is not a true revolver. 

Although, now thay I think of it, Delta does give a CL, so maybe it is a revolver. Someone chime in please lol maybe it is just the Green, Gold/Rose Gold, and Platinum rhat are charge cards. Then the Delta card would factor into your util.

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All Delta cards are revolvers so are currently contributing to utilization. 

Only green, gold and platinum are charge cards.

[Anonymous]

I had no idea, but I don’t believe that they contribute to revolving Balances either, just overall total balance.

[Anonymous]

@Anonymous Really??

Credit Karma counts it towards utilization but that's CK and also Vantage. Based on recent 'high util on revolving accounts' flags from CLIs, I would assume it does count towards both individual and aggregate util, as it's my only account utilized "high" right now...

[Anonymous]

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@Anonymous wrote:

@Anonymous Really??

Credit Karma counts it towards utilization but that's CK and also Vantage. Based on recent 'high util on revolving accounts' flags from CLIs, I would assume it does count towards both individual and aggregate util, as it's my only account utilized "high" right now...

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@Anonymous you misunderstood me I misspoke or I didn't speak clearly enough. What I meant was I had no idea what a delta was whether it was a chargecard or a revolver. And I was saying charge cards do not contribute to revolving utilization or revolving balances. Yours is a Revolver so it contributes to both. 

[Anonymous]

@Anonymous Likely my fault, tired.

Follow you now.