Predict it: maxing out a card

[Anonymous]

Predict the negative score impact, take your guess, in a few weeks I will update with the result.

I'm going to run up my goto card to over 90% utilization. Currently it's at 40%. I have a planned expense that will just barely fit in the remaining balance and I'm going to let it report, then pay in full.

How many points will my score drop?

It's a curiosity. I'm not applying for anything and so I don't care about a one month score impact. I'll pay n full and my score should return to normal next month.

So make your bets, how many points will I lose?

Profile: My overall utilization is around 5%. Recently my CITI DC, my go to card, for is running it at around 30 to 40% utilization. I pay in full every month and never run interest on any card. I have 4 other cards that report a small balance, and the rest reporting zero. No derogatories. Oldest account 22 months. Average age 14 months.

With one inquiry in the past year my EX is currently at 749.

[Revelate]

I lost 7 points for a single maxxed tradeline as a dirty file, so I'm going to put my bet on 12 for you at least assuming that maxxed out tradeline doesn't increase your aggregate utilization past ~9%.

If it does, going to go with 18 points.

[yapsalot]

I'm betting closer to a 20 point loss because your score is relatively high to start with and my guess is that a negatively impacting item will hurt a high score more than a lower one - no proof of that, just my guess.

[RonM21]

15

[Thomas_Thumb]

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@Anonymous wrote:
Predict the negative score impact, take your guess, in a few weeks I will update with the result.

I'm going to run up my goto card to over 90% utilization. Currently it's at 40%. I have a planned expense that will just barely fit in the remaining balance and I'm going to let it report, then pay in full.

How many points will my score drop?

It's a curiosity. I'm not applying for anything and so I don't care about a one month score impact. I'll pay n full and my score should return to normal next month.

So make your bets, how many points will I lose?

Profile: My overall utilization is around 5%. Recently my CITI DC, my go to card, for is running it at around 30 to 40% utilization. I pay in full every month and never run interest on any card. I have 4 other cards that report a small balance, and the rest reporting zero. No derogatories. Oldest account 22 months. Average age 14 months.

With one inquiry in the past year my EX is currently at 749.

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Score impact, as Revelate points out, will be influenced by how high aggregate utilization goes. Will your AG UT% be maintained under 9%? Assuming you stay under 9% AG UT, my guess is a 15 point drop; 20 points if .AG UT crosses above the 9% mark.

P.S. I will be letting my AMEX report 100% B/HB on my 7/15 statement and I'll report back on results using your thread if that's ok.