@NoHardLimits wrote:
@Thomas_Thumb wrote:
In your follow up trial keep any card reporting a balance below 9% and aggregate under 4.5% to avoid any potential utilization impact. You and BBS both believe there is an aggregate $ thresholds around $2k. He mentioned another one aroung $5k and a 3rd around $10k
Not sure what your TCL is. Hopefully you can test $5k while keeping AG utilization well under 4.5% - and maintain cards reporting at 4.
Yes, I can follow those parameters. My TCL is over $300k, so I can report over $5k in balances and still keep aggregate utilization under 4.5%. I'll also be sure to keep individual card utilization under 9% while maintaining 4 accounts with balances.
Reporting back with an aggregate revolving balance going from a few hundred dollars to a little over $2k:
Aggregate utilization is 0.6%
Largest individual card utilization is 5.6%
Accounts with balances is 4 of 11
EQ no change
EX minus 1 point
TU minus 4 points
The $5k threshold datapoints will have to wait until I have a higher revolving spend month later this year.
