effect of UTIL from 22% to 5%?

[Anonymous]

how much " ESTIMATED " bump I can expect once util goes to 5% for 22%

thanks

[RobertEG]

Hard to say without more info.  & util is scored three ways:  overall % util (about half), and % util of indiv cards, and % of all cards showing balances.

Maybe 5-10 pts.