Which card for AZEO?

[Girlzilla88]

Since you have new cards Mortgage pulls/loans whatever you wish to categorize them under lol don't like when you use your cards/open new cards/accounts within 6 months of applying it can hurt your chance so just being cautious for you

[Anonymous]

Ok i will start doing azeo this month. Thanks for the help fico family! 😊
Girlzilla thats great info too. I didnt know. I will definately follow that. Thank you so much!

[Anonymous]

You guys are so helpful! I really really really appreciate you all. This forum here can be life changing for many. Including me.

[NRB525]

OP, what is your list of cards? Which banks, brand of card, limit?

What is the story for the four due to report new soon?

[Girlzilla88]

No worries and yes these forums will help you a TON I wish I knew some of these things when I was starting.

[Anonymous]

Nrb capital one forget to report for years and the other ones is not reporting because are 3 brand new cards. But i decided for now to live a balance just on my cash rewards from bank of america.

[SouthJamaica]

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@Anonymous wrote:
Hi Everyone I am going to start to do this AZEO technique for the first time so i want to learn a few things before i start.
I have right now 7 CC with some not being reported yet because they are new. I am keeping All cards zero balance and i learned that azeo is good and i am more concerned about my mortgage scores. .
My questions are:
Which card i should choose for a better report/score? One with the highest limit is better or doesnt matter? A certain bank card is better?

Now only 3 cards are reporting. When all 7 cards are reporting for a better score should i still leave balance just in “one” card or should i start to leave balance in two cards?

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If you have any Chase cards, don't use a Chase card as your card carrying a balance, because whenever you pay it off, Chase reports the zero balance, mid-cycle.

[Remedios]

Chase cards can be used as AZEO cards. Once you have a statement ready, wait till a new charge (for the next statement period) posts, then pay off statement balance. 

In addition, if going for mortgage, youngest account should reach a year, six months is not enough for older mortgage scoring models to recover. A year at least from the last app unless your scores are really high and 20(ish) points means nothing to you. 

[Anonymous]

Remedios no 20 points is very important to me. Ok i will not open any account within a year then.

[Anonymous]

Wow guys now im learning from you all and realizing that there many ways to mistake this azeo thing. Im a little confused and dont want to mess up, want to do the best way possible. lets see if i understand this correctly. I will give an example here because i feel like a two years old trying to learn this. Lol. Here is this.
Ok my BofA has a limit of $5000. So i will use it max to lets say $400( to be below 10% limit). Now the due date for the $400 is the nov 10 and closing date is nov 12(if that matters, not sure) i usually pay early not on the due date. So nov 8 i will pay $390 and leave that $10 there until my next due date in december 10? On december 10 i pay this $10 left over from november bill and the extra expenses for the month?