Single Card Vs Aggregate Util

[Caught750]

The question is, what kinda damage am I looking at if I allow one card to report say 31% Util while aggregate Util stays at maybe 4%?

More specifically my Altitude Reserve currently has a $9k limit, of about $93k TCL. My reference above is to allowing my AR to report, perhaps, a $3k balance while keeping overall utilization low.

[Anonymous]

It depends on what it normally reports. Without knowing that, we don’t know what the magnitude of the difference is, but going by knowledge that’s been shared here, probably 5-6 points per threshold that you cross since aggregate is staying in the lowest tier. It’s only momentary though - once it’s baxk at its normal balance your points return. Long as you aren’t apping for anything during the period of higher UTI, don’t sweat it.

[Caught750]

Very fair, currently sub 8.9 aggregate and sub 28.9 per card with less than half reporting. I’m still hopeful that the SL on AR will be raised but was curious about what to expect for a month or two while it gets nearly all spend. Sadly, I won’t be able to ask for a HP CLI until summer 2020.

[Anonymous]

If you’re only crossing one threshold on one card with the others and your aggregate remaining the same, the impact will be negligible especially with the roll call of cards and limits in your dig. Shouldn’t be an issue at all

[Caught750]

Perfect, thank you! I know they can be slow to process CLIs at activation so I’m patiently optimistic. Like I said though, also wanna be well informed.

As far as roll call, it’s definitely been a wild year!

[SouthJamaica]

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@Caught750 wrote:
The question is, what kinda damage am I looking at if I allow one card to report say 31% Util while aggregate Util stays at maybe 4%?

More specifically my Altitude Reserve currently has a $9k limit, of about $93k TCL. My reference above is to allowing my AR to report, perhaps, a $3k balance while keeping overall utilization low.

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The difference between 31% and 29% is significant... it usually costs me a couple of points to have one that's at 30% or higher.

Today, however, I dropped my only +30% card down to 7% and it only added a point in EX FICO 8. So who knows?

But I would definitely advise you to go the extra mile and try to get it down to 28% (to leave room for interest or whatever).

[Caught750]

SJ, please define a couple? 5 or 6, 10 to 12? I know it’s not “you lose 5 points for that” specific but I don’t want to micromanage especially since they have several dates if you’re doing that.

Also, I have absolutely no intentions on carrying the balance and paying interest. It’s simply a question of scoring impact from letting it report.

[Caught750]

I suppose I’ll just set an alert for $2,500 and not go over it

[SouthJamaica]

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@Caught750 wrote:
SJ, please define a couple? 5 or 6, 10 to 12? I know it’s not “you lose 5 points for that” specific but I don’t want to micromanage especially since they have several dates if you’re doing that.

Also, I have absolutely no intentions on carrying the balance and paying interest. It’s simply a question of scoring impact from letting it report.

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2 to 4, but it's not that predictable; I just gained 1 point today when I went from 49% to 4% on my only > 30% card. I would have expected 4 or 5 points out of it.

[Caught750]

I could handle 2 to 4, I just don’t wanna see a 10 point drop. That’s crazy that you only got 1 point back. I don’t plan to app for anything for a little while (like a year)