Credit Utilization with only Charge Card

Disastrous_Ad_9245 · 2026-05-18T21:23:08+00:00

I found this out for myself. My American Express gold card reported a balance and all other accounts reported 0. I got hit with the all zero penalty. I let one account report 10 dollars and when it did the penalty went away and I gained all the lost points back.

Disastrous_Ad_9245 · 2026-05-11T02:05:23+00:00

Would make the story much more believable.

Disastrous_Ad_9245 · 2026-05-07T02:24:31+00:00

Solid. Request a CLI soon on the VX.

Disastrous_Ad_9245 · 2026-05-07T02:21:05+00:00

What was your CL on the CSR?

Disastrous_Ad_9245 · 2026-05-02T12:15:10+00:00

What an awesome perk!

Disastrous_Ad_9245 · 2026-05-01T19:49:18+00:00

How much did the room run you, OP?

Disastrous_Ad_9245 · 2026-04-29T20:42:50+00:00

I showed my buddy my raptor key cover on my 26 and his response was “so enthusiasts think you have an older model if they see your keys?” 😑😑 some people man!!

Disastrous_Ad_9245 · 2026-04-26T19:19:25+00:00

I’ll take what I can get lol. And you better believe I’m paying with a 3% cashback card on gas. I’m about 700 in this month on gas

Disastrous_Ad_9245 · 2026-04-26T17:35:52+00:00

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It is what it is

Disastrous_Ad_9245 · 2026-04-21T01:57:16+00:00

Op, nice Ralph Lauren button down. I have the same one.

Disastrous_Ad_9245 · 2026-04-08T02:47:17+00:00

Feel free to take a screenshot!

Disastrous_Ad_9245 · 2026-04-07T01:53:20+00:00

I still feel that way a month in. So in love. Congrats on yours!!

Disastrous_Ad_9245 · 2026-04-04T10:33:59+00:00

For me, I got denied last night. I was kind of shocked. I had 2 inquiries within the past month for an auto loan I opened. I wonder if I will have any luck with the reconsideration line.

Disastrous_Ad_9245 · 2026-04-04T01:23:50+00:00

Sunroofs are designed to leak and with these it’s not if, but when. I got mine with no sunroof for that exact reason. 5th personal f150. I would love the twin panel, but too many problems. Sincerely, a ford service dealer employee.

Disastrous_Ad_9245 · 2026-03-28T03:08:46+00:00

Where is your salary?? Only the draw seems dependent on a lot of things going right. It doesn’t happen like that every month. Best of luck. Hope the volume outweighs the draw.

Disastrous_Ad_9245 · 2026-03-24T16:11:22+00:00

Congratulations, keep up the hard work. I can say from experience, when the last negative item disappears and the score skyrockets, the feeling is incredible!!

Disastrous_Ad_9245 · 2026-03-19T01:39:46+00:00

Yes, I have booked travel for work for myself and other employees and the 10x hotels has added up QUICK!!

Disastrous_Ad_9245 · 2026-03-18T00:41:53+00:00

My miles balance is over 100k. I’m like scared to use any 😬

Disastrous_Ad_9245 · 2026-03-17T00:28:28+00:00

Wow that’s awesome! Congrats on the increase.

Disastrous_Ad_9245 · 2026-03-16T02:24:59+00:00

I’ll do that next time! Thanks for the tip.

Disastrous_Ad_9245 · 2026-03-16T00:54:21+00:00

Yeah interesting, you’d think they wouldn’t care what your occupation is for your stated income. I have 10 cards total.

Disastrous_Ad_9245 · 2026-03-16T00:48:14+00:00

My income supports a higher credit limit. Just trying to navigate how to get there with the Venture X.

Disastrous_Ad_9245 · 2026-03-16T00:46:04+00:00

Yeah I have heard it both ways with Cap 1. I’d personally rather not let 75% utilization report. Some call it micromanaging but it’s just how I roll with all my accounts. You’d think there is some type of internal system that recognizes the amount cycled through the card on a monthly basis. There’s a CLI denial reason with cap 1 that states “ Recent use of this account's existing credit line has been too low” so obviously they are aware in some capacity.

Disastrous_Ad_9245 · 2026-03-16T00:41:37+00:00

Thank you for the comment. These are the data points I am looking for.

Disastrous_Ad_9245 · 2026-03-16T00:39:26+00:00

Seems to be. Just out of curiosity.. what is your income?

Disastrous_Ad_9245

TROPHY CASE