So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
12/22 : 
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
There is a penalty for all zero balance on AU cards, just like there is a penalty for all zero balance on your personal revolvers. It's about 10-15 points.
@simplynoir wrote:
@GatoradeZeroGuy wrote:
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
There is a penalty for all zero balance on AU cards, just like there is a penalty for all zero balance on your personal revolvers. It's about 10-15 points.
If so this is the first I've heard about it. I had assumed AU cards were treated the same as any other card on the primary's credit reports. I can see the score drop is if she was looking at her husband's scores and thought they were her own as a small mix up because that doesn't make sense to me otherwise
@GatoradeZeroGuy Thanks for the info. I took my nosey self on over to the link and my oh my am I learning more than expected... 👍🏽 ✍🏽
@simplynoir wrote:
@GatoradeZeroGuy wrote:
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
There is a penalty for all zero balance on AU cards, just like there is a penalty for all zero balance on your personal revolvers. It's about 10-15 points.
If so this is the first I've heard about it. I had assumed AU cards were treated the same as any other card on the primary's credit reports. I can see the score drop is if she was looking at her husband's scores and thought they were her own as a small mix up because that doesn't make sense to me otherwise
Nope. The only different thing from last night to this morning on MY
EX was his disco (my AU) bring zero. My disco shows $25. Neither of us has ever been late. No new inquiries
@sznthescore wrote:@GatoradeZeroGuy Thanks for the info. I took my nosey self on over to the link and my oh my am I learning more than expected... 👍🏽 ✍🏽
Me too. I had no idea this would happen. Particularly since my cards are AZEO
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
This I haven't seen. I've seen it the other way around, where the AU is at all zero, and the primary card holder experiences a penalty because of that. But I've never heard of the AU being penalized because the primary card holder was at all zero.
The posts to which people are referring all relate to the normal AU penalty, where the AU's all-zero causes a penalty for the primary.
@SouthJamaica wrote:
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
This I haven't seen. I've seen it the other way around, where the AU is at all zero, and the primary card holder experiences a penalty because of that. But I've never heard of the AU being penalized because the primary card holder was at all zero.
The posts to which people are referring all relate to the normal AU penalty, where the AU's all-zero causes a penalty for the primary.
Yep- happened to me. I will see if the score goes right up when something else reports with a balance.
@Suzette2 wrote:
@SouthJamaica wrote:
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
This I haven't seen. I've seen it the other way around, where the AU is at all zero, and the primary card holder experiences a penalty because of that. But I've never heard of the AU being penalized because the primary card holder was at all zero.
The posts to which people are referring all relate to the normal AU penalty, where the AU's all-zero causes a penalty for the primary.
Yep- happened to me. I will see if the score goes right up when something else reports with a balance.
Yes I know it happened. You explained it very clearly.
I have never seen such a thing, and I think those in this thread who think they have seen it are all referring to the reverse situation -- where the AU's all-zero causes a penalty to the primary cardholder.