Letting my first card report >50%...

[Anonymous]

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@wasCB14 wrote:

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@Anonymous wrote:

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@Girlzilla88 wrote:

I get stressed but that's part of my OCD as well I don't think anyone is comfortable or ok with it being 50 or higher tho tbh

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I dunno, there are plenty around here who have no problem even going past 80% whereas I would have a heart attack. 

Right now my highest reporting card is 20%, 55% is going to be a decent score penalty since it's two thresholds that I'll have crossed, 28.9% and 48.9%. I'll probably lose the increase I got for my SSL reporting but I'm gardening anyway so I'm trying to tell myself it doesn't matter. 

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When I just had Freedom and Discover I had a few months of 80% or 90%. No AA.

I've done 300% on BBP (which doesn't report personally). No AA and my head did not explode, but I did get what was in effect a "you're gonna pay this...right?" call a few days before the big payment was due.

I like AZEE (All Zero Except Eight). I like getting to hold onto my cash a little longer.

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300% is wild. I saw you talking about that. I couldn't do it. 80% would have me having a panic attack. 300% would legit be a heart attack. Lol

[Remedios]

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@Anonymous wrote:

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I actually don't have the means to pay it all off right now (my situation doesn't allow me to have more than $2K in the bank at any given time anyway) which is why it's a necessary evil at the moment. I have been really careful to only work with one lender that is really prone to AA though, Synchrony, and even if all my other cards went poof, Capital One and NFCU certainly wouldn't think anything of it except more cash for them. Losing some cards to AA would probably be a good thing for me since I'll never close them on my own anyway but it's not going to happen from this for sure. 

And yes, generally I have the money in the bank to pay my cards and do so every month. Helping my roommate out with hiring a lawyer set me back and then I got a bit too happy with the in app purchases for a game I was playing which set me back a bit more, now plumber is being added. I'll get caught back up quickly, it's just short term stress. 

I think once I see the sky hasn't fallen, like Remmy said, I won't be bothered about it going forward. 

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You wont, you just have to experience it for yourself. It's like desensitization therapy lol 

I don't care how many people tell me sky wont fall, it's falling until I see that it did not 🤷‍♀️

[Anonymous]

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@Remedios wrote:

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@Anonymous wrote:

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I actually don't have the means to pay it all off right now (my situation doesn't allow me to have more than $2K in the bank at any given time anyway) which is why it's a necessary evil at the moment. I have been really careful to only work with one lender that is really prone to AA though, Synchrony, and even if all my other cards went poof, Capital One and NFCU certainly wouldn't think anything of it except more cash for them. Losing some cards to AA would probably be a good thing for me since I'll never close them on my own anyway but it's not going to happen from this for sure. 

And yes, generally I have the money in the bank to pay my cards and do so every month. Helping my roommate out with hiring a lawyer set me back and then I got a bit too happy with the in app purchases for a game I was playing which set me back a bit more, now plumber is being added. I'll get caught back up quickly, it's just short term stress. 

I think once I see the sky hasn't fallen, like Remmy said, I won't be bothered about it going forward. 

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You wont, you just have to experience it for yourself. It's like desensitization therapy lol 

I don't care how many people tell me sky wont fall, it's falling until I see that it did not 🤷‍♀️

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Yes I know all about desensitization therapy. That's that stuff where they force me into a situation that will cause a panic attack and make me sort through it. It's awful and only mildly effective for me but that's probably got a lot to do with my subconscious being just as stubborn as my conscious mind. 😂 

I will try it and see what happens. Disco is pushing me to take a BT offer between emails and pop ups on the website and in the app so if something happens I'll BT to checking and move it to Disco. I am pretty positive sky will not fall though. Score might but sky won't. 

[Anonymous]

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@Anonymous wrote:

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And yes, generally I have the money in the bank to pay my cards and do so every month. Helping my roommate out with hiring a lawyer set me back and then I got a bit too happy with the in app purchases for a game I was playing which set me back a bit more, now plumber is being added. I'll get caught back up quickly, it's just short term stress. 

I think once I see the sky hasn't fallen, like Remmy said, I won't be bothered about it going forward. 

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Yeah, I know your situation with funds.  As long as it's within logistial means and not a huge amount it only hurts a little bit in interest.  50% isn't that big of a deal... when you hit 80-90% that's when you should be worrying about a shoe or two dropping.

There's always something that comes up and it usually does it in sets of 3's.  Just shrug it off and things will go back to normal again.

[Anonymous]

i just lost 1 point on my score because i let ONE single card report at 17% instead of 3% util. my overall util was still ridiculously low. i was so madddddddddd.

reporting a card at > 50%... you are very brave!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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And yes, generally I have the money in the bank to pay my cards and do so every month. Helping my roommate out with hiring a lawyer set me back and then I got a bit too happy with the in app purchases for a game I was playing which set me back a bit more, now plumber is being added. I'll get caught back up quickly, it's just short term stress. 

I think once I see the sky hasn't fallen, like Remmy said, I won't be bothered about it going forward. 

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Yeah, I know your situation with funds.  As long as it's within logistial means and not a huge amount it only hurts a little bit in interest.  50% isn't that big of a deal... when you hit 80-90% that's when you should be worrying about a shoe or two dropping.

There's always something that comes up and it usually does it in sets of 3's.  Just shrug it off and things will go back to normal again.

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Yeah I am not too concerned about it. As of right now I have $3298 revolving reporting on TU. Once everything shakes out that I've paid that number will be $2910. I have $1169  that's going to be added and another $870 in payments I am making which will leave me at $3209 so I'll still actually end up having less debt reporting when it is all said and done. 

I am not really worried about it, I'm just stressed because I have worked so hard to not have it happen. I know that is totally contradictory to be stressed and not worried but that's exactly how it is 😂 

[Anonymous]

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@Anonymous wrote:

i just lost 1 point on my score because i let ONE single card report at 17% instead of 3% util. my overall util was still ridiculously low. i was so madddddddddd.

reporting a card at > 50%... you are very brave!

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1 point is a normal monthly variance. 17% isn't even a known threshold, I would say it was just regular score fluctuations. 

I don't really know what penalty I'll be looking at because there isn't as much data on BK cards that are otherwise optimized but 20-30 sounds about right to me which I'll then regain most of in November. 

[Creditsen]

When I started my credit I was in the 600s and I near maxed out my first and only card (at the time) because the rewards benefits were particularly well timed that quarter. I paid it off the following month but the dip was not as much as I thought it would be, maybe 50 points? I know this isn't your exact situation but maybe that lowers a little anxiety.

[Anonymous]

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@Creditsen wrote:
When I started my credit I was in the 600s and I near maxed out my first and only card (at the time) because the rewards benefits were particularly well timed that quarter. I paid it off the following month but the dip was not as much as I thought it would be, maybe 50 points? I know this isn't your exact situation but maybe that lowers a little anxiety.

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Yeah I am not super concerned about the scores. I will check them because I'm in the habit of doing so every month on the 1st but most of my lenders were added when I was at or under 670 and I can't see this dropping me below 700 by too much. 690 is the worst damage I would expect and I think that's a bit much when aggregate is still under 5%. 

It is really just the stress of letting things report when I have been so careful that's doing me in, not any specific fear. 

[Anonymous]

Your card issuer thanks you for the donation. Other than that its an OCD thing. Unless youre striving for a specific short-term goal or it's part of a viscious downward spiral, I don't see the benefit of burning some life expectancy days over it.