Any DPs on AZEO card with 29%-68.9% utilization?

[Anonymous]

If aggregate utilization is kept at 1%-2%, can anyone provide a data point on the score loss associated with allowing your AZEO card to report in the 29%-48.9% utilization?  How about 49%-68.9%?  I know I've read on here that people have let one or more cards report say 25% utilization (up from a zero or single-digit percentage) and as long as their aggregate utilization stays low they don't see a scoring ding.

I'm curious how impactful the first ding would be, crossing 29% as well as the next threshold at 49%.

[Gidgetmom]

I will have data points next month with an overall of 8% and my AZEO card reporting 42%.  (However, will also have an AU card reporting a balance of less than 7%.  Not sure if the AU card skews the data mined here.)

I can say that my EQ 8 dropped 11 points (766 to 755) when the card reported 47% this month, but had 3 other cards reporting a low balance (7% and 8%) (One is the AU account that was less than 1%).  My overall util.  increased from 3% to 10% at the time.  By the time everything reports this month, I will be below 8.9% and expect to get some of those points back.

[Anonymous]

Depends on what high individual utilization does to aggregate util for sure.

[Anonymous]

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@Anonymous wrote:
Depends on what high individual utilization does to aggregate util for sure.

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Of course, but in my original post I said that for this illustration aggregate utilization would not change significantly; If it's 1% pre-higher AZEO balance it would be say 2% post-higher AZEO balance.  All other factors here would be remaining the same, such as number of cards reporting balances, aggregate utilization being top tier, etc.  I know that answers to this are profile-dependent, meaning that a thick/aged/seasoned profile would likely experience a lesser ding than someone with a thin/young profile.  It would be cool to hear the different data points on this relative to those different profiles.

[Anonymous]

Oops, I totally misread what you meant in that sentence.  Moar coffee needed, lol.

I definitely am going to do some AZEO > 8.9% on my Chase card next year but the dilemma for me is my TCLs is only around $20,000 now (maybe $25,000 if Amex 3X goes well) which limits me just a little bit.  If I use my Chase card (assuming the toy limit isn't lifted), I could do:

1. $25/500/20K = 5%/0.1%
2. $50/500/20K = 10%/0.2%
3. $100/500/20K = 20%/0.4%
4. $200/500/20K = 40%/0.8%
5. $300/500/20K = 60%/1.2%
6. 400/500/20K = 80%/1.6%
7. 450/500/20K = 90%/1.8%
8. 499/500/20K = 99%/2.45%

Still within your request, and I'm curious myself although I do have some inquiries aging off rapidly in the next 2 months so have to see when FICO actually scores an inquiry hitting 1 year.

[Anonymous]

I wish I had a toy limit card for testing purposes.  I had a $3500 limit card which was OK for testing earlier this year and I told myself if I didn't get a CLI on it that I'd request a CLD to $500 on it.  They ended up bumping me to $10k, so there went that idea.

A $500 card would be absolutely fantastic to do some testing with, but at this point with all 5-figure limits on my cards I really don't see that as being the way to go on my profile.

[Anonymous]

The dilemma for me is that it's a Chase card so if I PIF, it'll drop to $0 and ding me, haha.  So what I plan on doing is PIF the Chase card (statement date of the 16th) midway between statements (around the 1st) so I'm only dinged for high utilization for 2 weeks and zero utilization for 2 weeks.  Kinda frustrating but I can handle +/- 20 points right now for testing purposes.

[Anonymous]

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@Gidgetmom wrote:

I will have data points next month with an overall of 8% and my AZEO card reporting 42%.  (However, will also have an AU card reporting a balance of less than 7%.  Not sure if the AU card skews the data mined here.)

I can say that my EQ 8 dropped 11 points (766 to 755) when the card reported 47% this month, but had 3 other cards reporting a low balance (7% and 8%) (One is the AU account that was less than 1%).  My overall util.  increased from 3% to 10% at the time.  By the time everything reports this month, I will be below 8.9% and expect to get some of those points back.

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Hi GM!  Thanks for being willing to help.

The key to any test is having your profile/reports very stable and clear -- then pulling your scores/for the "before" shot.  Then having a single change and pulling the reports/scores for the "after" shot.  Credit Check Total with its $1 trial and 3B report and scores is a nice tool for this.

I don't see a problem with the AU account as long as it is stable/consistent in both the before and after shot.  In a perfect world, your total utilization would also be almost the same in Before and After, but you probably will still be giving us very meaningful results as long as total stays within the same range (i.e. 0.1% - 8.9%).

Here is what we'd need to know.  For both the Before and After shot....

Total Utilization (counting the AU card)

Total Utilization (not counting the AU card)

Total number of open cards

Total number of open cards showing a positive balance

Individual utilization for each card with a positive balance

Again, we'd need all that for both the Before as well as the After shot.

Is that doable?

[Kree]

I'm in a transitionary period with some new accounts, no my scores are in a constant flux. But I should in a few months have AZEO with >50 on the one, then <50 then <40 etc.  So we will see what happens as it steps down.

[Anonymous]

Hi Kree.  See my response just now to GM.  Do you think you'd be able to record these kind of detailed precise data?  We'd also need to know if you have any derogs, something I failed to mention to GM, as well as Age of Oldest Account, Age of Youngest Account, and Total Number of Accounts.   Knowing these four pieces of information will enable us to make a guess as to which scorecard you are in.