1. If I have 3 cards with $10K limit each and have an average monthly charge on one at $6K and $0K on the other two, is that the same utilization from a FICO view as having an average monthly charge of $2K on each?

  2. @ Paul — I believe not. It’s my understanding that they look at the utilization on each individual card, so you would be best off utilizing each individual credit line as little as possible.

  3. Thanks – that was a very informative read.

    I’ve stopped churning now, but used to do it religiously. Probably earned a good 500K miles for well under $500.
    Not to mention the CapitalOne promo that was effectively a $1100 gift.

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