2018年6月1日 · I have a TON of cards so I keep an excel spreadsheet with columns from left to right: Credit Card, Total CL, Current Balance, % used, amount available, monthly payment, and the due date. It's worked out great for me and I can keep track of …

2017年12月18日 · If any individual card utilization > 49%, pay down that card to below 48.9%. If aggregate utilization > 9%, pay down aggregate to below 8.9%. If you have balances reported on more than 1/3 of your credit card count, get your card balances so that no more than 1 out of 3 cards shows a balance.

2019年7月2日 · The utilization thresholds for an individual credit card are 28.9%, 48.9%, 68.9% and 88.9%. Above 88.9% utilization is considered maxed out. If you are able to bring the utilization down to below 48.9% you will see a boost in your scores since you will cross three utilization thresholds.

2008年12月8日 · Re: Credit Bureau's utilization "chart" ok, I just spent the last hour analyzing my equifax credit report. They are figuring right now that my utilization is 56 percent (3744 out of 6200 available) They are NOT even counting the 2 cards that I …

2020年5月10日 · Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. Get your CC aggregate utility at or below 8.9% for full FICO points optimization. Scores will react positively with one revolving credit card reporting a balance.

Later, after credit limit was increased on this and other cards, I realized a score drop even though card utilization was lower and aggregare utilization was essentially the same. See example below. A) I reported a balance of $3202 on BBY when the card CL was $4500 (71% utilization) - no drop in any Fico 8 scores. Aggregate balance around $5200.

2024年4月10日 · Impact of individual card utilization on score is highly file dependent. More than a few profiles don't see a drop in score if a card goes over 29% or even 49% UT as long as AG UT is kept single digit. For example, when I had an open mortgage on file I could report 74% UT on a card with no change in F8 or F9 Classic scores.

2024年5月14日 · The important card thresholds IMO are under 29%, under 49% and under 89% which may trigger a "max out" penalty. I have not seen evidence that every % change in Ag UT impacts score negatively - so not a continuous function. Utilization is bracketed in ranges both in aggregate and individually.

2018年6月7日 · Note that individual card utilization is determined by the card with the highest utilization. When we talk about AZEO (all cards reporting a zero balance except one), the best tack is generally to report a very small balance (at least $5 but not much more) on a single major card. That'll avoid any potential quirks.

2017年8月4日 · Re: Credit card utilization It's my experience that each percentage point drop in utilization will increase your credit and that includes going from 2 to 1%. I have a very high total CL and my usual everyday use of my credit cards keep it at about 1-2 percent and it goes to 4 percent sometimes after a vacation.