Rebuilding Optimal Credit Utilization

[wssuter]

Thank you! My terminology was incorrect. I meant PTZ. I misunderstood what I should be doing to help my credit and I've been paying to zero every month instead of just paying the statement balance or using the AZEO strategy. Yes, the four new cards are about three months new. Great examples above! I will incorporate this going forward.

[Anonymous]

It's a bit strange that your four recently opened cards have not yet appeared on your credit reports, given that they were opened 90 days ago.  Amex often takes that long but other cards usually appear a bit more quickly.

So can you confirm a few things?

The card that was opened 11 months ago has been on your reports for at least the last six months.  Correct?

The four recemtly opened cards have not appeared on your reports.  Correct?

Who issued the four recently opened cards?

You may wish to give the four recently opened cards another month.  If they still haven't opened, circle back with us.  The solution may be at that point to let each one report a small balance.  But you shouldn't have to do that.