From what I have read others post and understand from it, if the LOC reports as a revolving account, it should in theory be treated as such. Every post I have read on the topic, however, has advised against using a LOC for AZEO due to it being more unpredictable than a major bank card. If you have no important apps coming up, you could always experiment with your profile and see how letting all of your bank cards report in at 0 with the LOC at 60% affects your various scoring models. If you are worried about the potential temporary point loss penalty from doing so, get a swipe in on one of those cards before statement cut. If you do chose to experiment with it, come back when you're done and share all of your details with the group.
You're remembering correctly, @Anonymous; I didn't see any point loss when my PLOC was my only revolver reporting a balance. Mine reports as "check credit or line of credit" on EX, "line of credit" on EQ, and "overdraft/reserve checking account" on TU, but all three count it as a revolver.
@Anonymous wrote:@Slabenstein Thanks!
and to be clear, the AZ loss & no revolving activity code, I believe, is triggered by Revolving Balances being at $0, not by # of revolvers with a balance being 0.
@Slabenstein The codes we were looking at referred to amount on revolvers, not number correct? good to see you, have you been on vacation?
When I did AZEO w/ my PLOC, I don't think we were looking at codes. I couldn't see any at that time anyway. Iirc, we just wanted to see whether I would get an AZ penalty for reporting $0 on all bankcards while the PLOC had a balance, which I didn't. I haven't been on vacation, just haven't been on the internet much. A family member passed, so my attention has been elsewhere.