I have been leaving only one account report a balance for quite some time, to be able to keep my scores up so there will be no AA..to take advantage of the chase 5% bonus category last month i charged $400 on my card(freedom)..in the restaurant category...i had a $304 balance on it last month...so i made two $350 dollar payments this month and bang...18 point drop on equifax.. mind you i still have a $4.00 balance...recent alert says the balance on one of your accounts has decreased by $304..score 721, down 18 from 739....even leaving a balance on an account after paying down the last month balance in full might not be used as the account with a balance if you had a running balance...not too worried as it will come back as it usually does.. but not good if you want to app....
DINERS 30K...AMEX BCE 30K....BBVA AMEX 20K...NASA 20K...PENFED CASH 10K...ALLIANT REW 20K...PNC POINTS 17.5K...PENFED PLOC 15K...PENFED PLATINUM REW 40K...FIFTH THIRD 15K...BARCLAY REW 11.6K...CAP ONE VENTURE 13K...SALLIE MAE 12K...CHASE FREEDOM 7.5K...DISCOVER 35.5K...QUICKSILVER 11K...QUICKSILVER 9.4K...NATIONWIDE 10.8K...SPORTSMANS GUIDE 6.8K...EQ-850, TU-850, EX-849...BK OCT 2005...NO NEW CARDS IN OVER 2 YEARS!!!
