4 Credit Cards???

[Johnworker1]

Just to be clear, if you want to play the AZEO game, the one card showing a balance should be < 9% of the limit of that card (which obviously is a fraction of your total credit limit of all cards).

Thanks for you and JustBroke clarifying it is <9% of that particular, individual card. I mistakenly thought it was of all the cards but only did that for one month.

[Johnworker1]

I have been doing this correctly for a few months successfully. I have been trying to let a different card report the small balance which becomes a juggling game on which card to charge on and which card to pay. In May the card I let report was Chase credit card and I left a $50 balance on the due date after making a payment. Well that was in the middle of the month and on 5/30 I paid that balance off so not to incur unnecessary finance charge. Well Chase reported that payment on 5/31vto the credit bureaus (2 weeks after Chase normal reporting date) so that made all 3 credit card balances $0 and of course I get notices from Credit Karma and the bureaus that my credit score went down shortly afterwards. My lesson learned is to keep the balance until the next month next cycle.

[shipo]

To level set, it is easiest to pick just a single card (not Chase, more on this below), and let it report a small balance; there is no need or benefit to rotating cards.

Regarding Chase, they are a very poor choice to use for the reporting card as unlike most other lenders, Chase reports on A) the statements date, and B) whenever your balance hits zero.