@Anonymous wrote:
@SouthJamaica wrote:I was just wondering, if I purposely let a higher balance report, and then paid it down gradually, would there be any points in that
There would be no extra FICO points in it for you, and your initial post asked about FICO. (Presumably you meant FICO 8 or any of the other models currently being used by a significant number of lenders.)
Down the road it would if anything have been harmful to you, since you would have created history for yourself as a revolver. It's conceivable of course that eventually specialized software will be sophisticated enough down the road to identify people who are revolvers but also are utra low risk. That would be a nice group for CCCs to target. But if it ever happens that CCCs stop issuing you credit cards because you don't ever carry balances, you can change your behavior then. Of course, by then, at your current rate of CC acquisition, you will probably have 80 credit cards. :-)
Bite your tongue 
That would be a bit much for even me to manage
