2/6 AWB reporting vs 3/6 AWB reporting

[Zoostation1]

I was doing AZEO, then went to AZE2 after opening a 5th CC and now that I've got a 6th I'm considering letting 3/6 report since I use 3 cards regularly and the others mostly get small token transactions to show they are active.  Normally I'd be mainly concerned about FICO 8 and FICO 9, but since my 2 highest limits by far are with Capital One (and a majority of my cards in total) I'm also concerned about 5, 4, and 3.  My understanding is that those are more sensitive to accounts with balances.  Am I going to lose signifcant points for choosing the convenience of letting 3/6 cards report (VX, Savor and BCP) versus 2/6?  Also, would the score drop associated with that be a big risk of spooking Capital One even though I'll still be PIF and continue giving them a majority of spend?  Since starting my rebuild about 2 1/2 yrs ago I've been PIF every month and going from 1/4 to 2/5 reporting didn't seem to bother them.

[GZG]

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@Zoostation1 wrote:

I was doing AZEO, then went to AZE2 after opening a 5th CC and now that I've got a 6th I'm considering letting 3/6 report since I use 3 cards regularly and the others mostly get small token transactions to show they are active.  Normally I'd be mainly concerned about FICO 8 and FICO 9, but since my 2 highest limits by far are with Capital One (and a majority of my cards in total) I'm also concerned about 5, 4, and 3.  My understanding is that those are more sensitive to accounts with balances.  Am I going to lose signifcant points for choosing the convenience of letting 3/6 cards report (VX, Savor and BCP) versus 2/6?  Also, would the score drop associated with that be a big risk of spooking Capital One even though I'll still be PIF and continue giving them a majority of spend?  Since starting my rebuild about 2 1/2 yrs ago I've been PIF every month and going from 1/4 to 2/5 reporting didn't seem to bother them.

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Cap1 probably wants you to default tbh you can't BK again to get out of it

I would not worry about spooking Cap1 in the slightest, it would take far more than some reported balances to spook Cap1 

short of looking like an obvious bust-out fraud with all of your balances maxed on all of your cards, I wouldn't worry about a thing with Cap1

[JoeRockhead]

As @GZG said... I wouldn't worry about spooking Cap One as I also don't believe that's going to happen, especially given the fact you're giving them lots of spend and have a good payment history.

As far as your AZE?, I'd try to keep it to less than half of your accounts for the best results.  You'd likely see a penalty for 50% of your accounts reporting a balance. How much of one I can't answer with confidence, but maybe @Thomas_Thumb will chime in with his insight.

[Thomas_Thumb]

I have 6 cards, one being an AU. The AU card counts same as the primary cards on Fico 5/4/2 but not Fico 8,9.

How much will AZE3 impact score? It depends on the details of your file. When I had an open loan (mortgage) on file, my scores were less sensitive to # cards with balances. Since the loan closure in 2021 scores begin to drop with fewer balances reporting.

Open mortgages tend to stabalize score. Not sure if the OP has an open mortgage or not. Conversely, new credit tends to destabalize score -specific to clean files.

The best way for the OP to answer impact of 3 of 6 is to just do it and pull a 3B reports before/after to check all scores. Ultimately, 3 of 6 reporting small balances is not an adverse action risk so, no worries if it happens.  Guestimate of AZE3 impact is 5-10 points vs AZE1 depending on CRA and Fico model.