The 2016 Shutdown Thread
Sep 10, 2016, 12:49 pm
#301
Join Date: Jun 2015
Posts: 1,727
Totally agree here. My credit score dipped 50-55 points after high utilization on ONE card. No worries, bounced right back. I am fine running high utilization unless planning to apply for credit cards. I have noticed NO ill effects and don't think banks concerned as long as paying it off.
I focus paying off the small amounts before statement closes as well as any balance over 30%, but sometimes, I rather have the float.
I focus paying off the small amounts before statement closes as well as any balance over 30%, but sometimes, I rather have the float.
Sep 10, 2016, 11:22 pm
#303
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
CK FAKO can be useful for trending. Also, the FICO reported by some credit cards is not updated on a regular basis and can be stale. 
Sep 12, 2016, 10:20 am
#304
Join Date: Apr 2014
Location: DC
Posts: 360
So, YMMV, and like AlohaDaveKennedy at least they can be useful for trending.
Sep 12, 2016, 10:12 pm
#305
Join Date: Jun 2015
Posts: 1,727
My CK scores are pretty much the same with all the other sources that I've seen, including many that should be real FICO scores. Say, 10-25 points different at most, which can be explained just by different scales used.
So, YMMV, and like AlohaDaveKennedy at least they can be useful for trending.
So, YMMV, and like AlohaDaveKennedy at least they can be useful for trending.
Sep 13, 2016, 5:17 am
#306
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Sep 13, 2016, 7:36 am
#308
Join Date: Apr 2014
Location: DC
Posts: 360
If you don't care about CK scores, good for you. No one makes you use them.
But they can, and are, useful in many instances.
But they can, and are, useful in many instances.
Sep 13, 2016, 6:44 pm
#309
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
FYI for everyone wondering mortgages on your personal residence are not callable so just keep making your payment and you'll be fine.
Sep 13, 2016, 7:11 pm
#310
Join Date: Nov 2015
Posts: 84
Citibank just shut down myself and rest of family even those that have no MS.
Sep 13, 2016, 9:23 pm
#311
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
Sep 14, 2016, 5:54 am
#313
Join Date: Sep 2015
Posts: 285
If you look at 1Percentclub's very first post it may provide some insight
Sep 14, 2016, 6:11 am
#314
Join Date: Sep 2014
Posts: 1,837
from http://www.flyertalk.com/forum/manuf...l#post25718913
Wow!
Originally Posted by 1PercentClub
Volume for the month of October was $639,924.04 in purchases made. Keep in mind I took a few days off......
Sep 14, 2016, 10:39 am
#315
Join Date: Jun 2011
Location: SFO
Programs: Hilton-Gold
Posts: 706
I was shutdown by Barclays along with SO in July 2015. Does anyone know when it's safe to apply for Barclay cards again?