Remove or Keep???

[Anonymous]

I would like to know if I remove high balances of Authorized Credit Cards from my credit profile how will this impact my credit?  Most of the Credit Cards have 2 yrs or more good credit history.  Thanks in advance for the responses.

[simplynoir]

If your cards are old enough you'll benefit more from getting your ultilization down. How much of a score increase you can expect depends on the balances on the AU cards and what your current utilization is on all your cards at the the present time

[RSX]

I never want an AU that has high Util.  No matter how much age it gives me

i only make AU's for my cards with zero posted Util.   

Drop em

[AllZero]

High utilization is a score killer. Especially, if maxed out or near it, e.g. 88.9%

[M_Smart007]

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@AllZero wrote:
High utilization is a score killer. Especially, if maxed out or near it, e.g. 88.9%

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And several AU cards with balances will also bump your aggregate utilization, which also could be a score killer.

[Mv350]

I had a high UTI AU card on my profile and it was keeping my scores down. I removed it and seen a fairly large boost. I took a small hit in AAoA, but nothing compared to the high utilization.

[seattletravels]

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@M_Smart007 wrote:

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@AllZero wrote:
High utilization is a score killer. Especially, if maxed out or near it, e.g. 88.9%

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And several AU cards with balances will also bump your aggregate utilization, which also could be a score killer.

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All of this. Axe those AUs asap! 

[Anonymous]

Thanks for all your comments and advice.  I will be removing those AU Cards ASAP.

[AllZero]

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@Anonymous wrote:

Thanks for all your comments and advice.  I will be removing those AU Cards ASAP.

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Good luck! Hope to read of your score improvement

[Anonymous]

@AllZero I will post the updates when I get them.