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AmEx <1% Utilization

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CaptJOB
Regular Contributor

AmEx <1% Utilization

Hello everyone. I was attempting to AZEO this month and I goofed and let my BCE close with $35 on a $10k limit. I normally let my CFU report as my AZEO card as DW is an AU and she gets the AU penalty if I use another card. Fortunately this is just testing to see what my max fico 8 would be this month.

 

Just wondering if the AmEx will count as an account with a balance or if it won't count since utilization is under 1%. If so I can just pay off the Chase so it reports as paid off, but if I don't need to then I won't. Accounts are all listed below:

 

AmEx Platinum closes on the 24th and will be paid off

AmEx Gold Closes the 17th and will be paid off

Delta Gold $0/16k

BCE $35/10k

CFU $87/1700

CSR $0/13.1k

CF $0/5k

Citi AA Plat $0/19k

AU CSP $281/8k

 

Any help here is appreciated!

 

Message 1 of 3
2 REPLIES 2
SouthJamaica
Mega Contributor

Re: AmEx <1% Utilization


@CaptJOB wrote:

Hello everyone. I was attempting to AZEO this month and I goofed and let my BCE close with $35 on a $10k limit. I normally let my CFU report as my AZEO card as DW is an AU and she gets the AU penalty if I use another card. Fortunately this is just testing to see what my max fico 8 would be this month.

 

Just wondering if the AmEx will count as an account with a balance or if it won't count since utilization is under 1%. If so I can just pay off the Chase so it reports as paid off, but if I don't need to then I won't. Accounts are all listed below:

 

AmEx Platinum closes on the 24th and will be paid off

AmEx Gold Closes the 17th and will be paid off

Delta Gold $0/16k

BCE $35/10k

CFU $87/1700

CSR $0/13.1k

CF $0/5k

Citi AA Plat $0/19k

AU CSP $281/8k

 

Any help here is appreciated!

 


It will count. Only when you get down in the $5 range do you need to worry.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 2 of 3
CaptJOB
Regular Contributor

Re: AmEx <1% Utilization

Okay perfect thanks for the help!

Message 3 of 3
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