50% may be utilization threshold for individual card

[SouthJamaica]

It has always been clear to me that 30% is a major breakpoint for individual card utilization.

I now believe 50% may be significant too.

Last month I had 2 cards > 30% (one at 30+, one at 40+). One of those 2 accounts just went to 55%, and EX FICO 8 dropped 6 points.

The other one's going to get to > 50% as well, which I predict will be a non-event.

[NRB525]

I agree with this. During 2015 as several balances finally swung below 50% individual, my scores increased significantly during that June period. Mid-700s range at that time.

Other more recent tests where moving balances over 50%, also result in noticeable score changes.

[Anonymous]

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@SouthJamaica wrote:

It has always been clear to me that 30% is a major breakpoint for individual card utilization.

I now believe 50% may be significant too.

Last month I had 2 cards > 30% (one at 30+, one at 40+). One of those 2 accounts just went to 55%, and EX FICO 8 dropped 6 points.

The other one's going to get to > 50% as well, which I predict will be a non-event.

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I lost the same 6 points when my Util went to 0%. Welcome to the FICO 3-card Monte game - anything you do that you think will improve your score will actually lower it. Pay off an Installment loan? That will cost you 40 points. Pay off your mortgage? That will cost you 60 more.

[M_Smart007]

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@SouthJamaica wrote:

It has always been clear to me that 30% is a major breakpoint for individual card utilization.

I now believe 50% may be significant too.

Last month I had 2 cards > 30% (one at 30+, one at 40+). One of those 2 accounts just went to 55%, and EX FICO 8 dropped 6 points.

The other one's going to get to > 50% as well, which I predict will be a non-event.

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I have seen points lost and gained over the last year, with no other notable changes  ..

except just crossing 30% and 50% Ind. Util.

noted them both ways, going above and below.

Testing was done on two seperate major cards.

Adding that aggregate Util. was well below the 9% threshold at the time.

Also no changes in AAoYRA, AAoA , AoOA or one installment loan well below 9%.

It was noted on EX FICO 8

Edited to Add: Clean, thick and really aged scorecard.

[CaptJOB]

I have a CFU closing tomorrow at 950/1700 that shouldn't do anything to my aggregate. Will see what that does to my EX8. Currently 777 and nothing else should change before that hits my report.

[SouthJamaica]

I can't monitor my Equifax and Transunion scores and reports with the same precision as my Experian report, because I don't have daily access to them, but it appears that going over 50% on a revolving account, which cost me 6 points in EX, cost me 14 points in EQ and 15 points in TU.

[joeyv1985]

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@SouthJamaica wrote:

It has always been clear to me that 30% is a major breakpoint for individual card utilization.

I now believe 50% may be significant too.

Last month I had 2 cards > 30% (one at 30+, one at 40+). One of those 2 accounts just went to 55%, and EX FICO 8 dropped 6 points.

The other one's going to get to > 50% as well, which I predict will be a non-event.

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When my CSP reported a 50% utilization, my FICO scores dropped 11-13 points across despite having an aggregate utilization of 11% across all cards. My Equifax dropped another 4 points when I paid off a $6 balance, while the other scores increased 4-6 points. Just weird. Happy to report that my scores jumped up 14-21 points once my CSP and Citi AAD reported and showed a 3% aggregate utilization. Lesson learned, don't cross the 50% threshold. 

[SouthJamaica]

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@SouthJamaica wrote:

It has always been clear to me that 30% is a major breakpoint for individual card utilization.

I now believe 50% may be significant too.

Last month I had 2 cards > 30% (one at 30+, one at 40+). One of those 2 accounts just went to 55%, and EX FICO 8 dropped 6 points.

The other one's going to get to > 50% as well, which I predict will be a non-event.

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Well my prediction turned out to be wrong. When the second card went from 30-something to 50-something, I lost another 10 points in EX FICO 8.

[CaptJOB]

I ended up losing 9 points when the CFU reported. Sounds in line with what's been happening to everyone else.

[Anonymous]

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@SouthJamaica wrote:

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@SouthJamaica wrote:

It has always been clear to me that 30% is a major breakpoint for individual card utilization.

I now believe 50% may be significant too.

Last month I had 2 cards > 30% (one at 30+, one at 40+). One of those 2 accounts just went to 55%, and EX FICO 8 dropped 6 points.

The other one's going to get to > 50% as well, which I predict will be a non-event.

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Well my prediction turned out to be wrong. When the second card went from 30-something to 50-something, I lost another 10 points in EX FICO 8.

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@SouthJamaica So you confirm one card crossed 50% and you lost points and then a second card crossed the 50% threshold and you lost additional points, while the first card remained above 50%?