- Centurion Member
- Posts: 4133
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
While on the topic, it doesn't have to be 5%. Lower is better, as long as the amount that reports is above $0. Discover generally won't report under $2, though. So you might have a balance of $5 report, instead of $25.
I remember when I had only a $600 CL, and it was a pain to have to pay in full so frequently. I know I had the urge to have as much of the CL available as possible.
And unless there's a history of high balances, it's only the utilization that's shown when your credit is pulled that matters.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
Plan to PC: Prestige to DC
SD with activity alerts, might close: Arrival and Brooks Bros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH