Not at all surprising.
At those initial scores, you are in a very high scoring category, or "bucket." The changes in score vs. util are not the same as a consumer at the 700'ish score bracket.
Your weighting of util scoring may not even be the average of approx 30%, based on rebucketing criteria.
Additionally, the primary factor of overall % util, changing from 4% to 1%, is only a 3% change based on an already very good util level. The same 3% change for a consumer at, for example, the 40% level would most likely have produced significantly higher point gain.
The biggest change would most likely be the scoring of the indiv util on that one card, from 29% to 1%, but individ card util is but a part of a part of overall % util scoring, and with 7 cards, was probably not very significant. % cards with balance went from approx 28% to 14%, both still relatively low.
I would suspect that if the same type of scenario were run on a consumer score in the 700'ish range, the results would be significantly different.
The price you pay for being in the upper tier seats!
