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Old Aug 26, 2012 | 7:21 am
  #9  
stevento
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Join Date: Jun 2012
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If you're are worried about high utilization rates on your report, why don't you just carry a negative balance on the card?

I have a Citi Premier ThankYou card that give 5x Thank You points that can be redeemed towards mortgage payments (now in 4th month of the 6 month promo).

Citi only gave me $3K credit line. My average spend on this card is $25K/month (all legitimate business expenses). I just make sure I always have a $3-4K negative balance on the card to help push charges through.
I've had it for over 4 months with no complaints from Citi.
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