Originally Posted by
deant
If you look at your credit report (at least from Experian), Citi does not report a credit limit so it is not used in your utilization calculation. The balance due on Citi cards are, I believe, used in the calculation. So you will have an overstated utilization calculation.
I'm not sure I follow you. They said my utilization within Citi was too high (currently 0%) or that I wasn't paying enough towards my Citi cards (I pay in full monthly the only card with them I use). If they meant my overall utilization, that is probably no more than 5%, but usually more like 1-2% thanks to consolidating after every AoR.
Regardless, it worked out ok. I'll be interested to see what happens in 60 when I go again. I am finally getting more religious about my churning since LSC has dried up as a source of miles. I hope to hit 2mm within a year.