For those who are into letting it “all hang out”, list the amount of cards you have in total. Then how many you allow to carry a balance over time(NOT paying in full after statement cuts).
I have 23 cards and am going to allow up to 6 to carry balances from now on. I previously liked seeing all but 1 card at 0(although that 1 reporting was over 60%). 3 reporting at the most.
I have one card at 50% now and the new ones are reporting at less than 30%(ie 1400/5000. 450/2500. 491/3000. 200/3000).
I was meeting spending bonuses and paid down balances. I’m so tempted to cancel the small balances out so my reports look “clean”(ie at 0) but I must fight it!