When my new cards all report, my total CL is going to go from $4K to $29.5K. While I know that utl does not have a memory, the payment dates on my cards easily allows me to only have one card report monthly.
The earliest reporting card has a CL of $3500. If I leave a balance of 2% on this card, will the total UTL figure be based on that particular card's CL or will it rediculously round up to 1% based on my total CL? If I try and hit 2% based on my total CL, that would be 17% utilization on that card....don't want to take a hit at 17%.
My thinking is that is woud be easy to manipulate that early reporting card and just PIF before the reporting dates on the rest of my cards.
What do ya think/know??
