Have you had high cc usage for a planned expense that lowered your FICO scores?
In a week or so I am initiating some home improvements and repairs. I know the charges to my cc will be way over the ideal limit until I pay it(them) down, but I now have zero interest on several cards so now is the time to do it. Has someone done this and seen their credit scores sink to the bottom of the barrel? I am thinking I should just not look at scores while I am doing these necessary things and just continue paying down the balances until my credit scores recover. How badly did your credit take a hit if you have done this? Was it worth it to you? (I only just got these scores in the last weeks due to utilization and new accounts.) Oh, and what is considered 100% usage? How close to the limit can I go? Thank you for any responses. In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.
Musiclover wrote:
Have you had high cc usage for a planned expense that lowered your FICO scores?I don't recall but I have been up to 76% recently. However, the balance was immediately paid off. I don't recall if reported or not. The impact didn't really matter since it was going to be paid off immediately. Musiclover wrote:
Oh, and what is considered 100% usage?
Utilization is balance/limit. If the balance equals the limit it's 100%. Musiclover wrote:
How close to the limit can I go?Depending on the card you may be able to exceed the limit. However, such cards would require that you immediately pay any balance exceeding the limit. For scoring purposes it is recommended to not exceed 30%. However, short term high utilization generally isn't an issue. It's prolonged high utilization that can get you into trouble. Be aware that there is a double hit from having high utilization on a card and having itmaxed out (generally >90%). Musiclover wrote:
I know the charges to my cc will be way over the ideal limit until I pay it(them) down,How long will that take? What utilization would you be at initially? How long would it take to get it down to 50%? Under 30%?
Similar Messages
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High cpu usage for garbage collection (uptime vs total gc time)
Hi Team,
We have a very high cpu usage issue in the production.
When we restart the server, the cpu idle time would be around 95% and it comes down as days goes by. Today idle cpu is 30% and it is just 6th day after the server restart.
Environemnt details:
Jrockit version:
Java(TM) 2 Runtime Environment, Standard Edition (build 1.4.2_05-b04)
BEA WebLogic JRockit(TM) 1.4.2_05 JVM R24.4.0-1 (build ari-38120-20041118-1131-linux-ia32, Native Threads, GC strategy: parallel)
Gc Algorithm: JRockit Garbage Collection System currently running strategy: Single generational, parallel mark, parallel sweep
Number Of Processors: 4
Max Heap Size: 1073741824
Total Garbage Collection Time: 21:43:56.5
Uptime: 114:33:4.1
Total Garbage Collection Count: 420872
Total Number Of Threads: 198
Number Of Daemon Threads: 191
Can you guys please tell me what would be problem in the server which causing the high cpu usage?
One more thing I would like to know is that why the total number of threads is 198 when we specified the Executor pool size as 25? I agree that weblogic would create some threads for its maintenance but around 160 threads!!! something is wrong I guess.
Santhosh.
[email protected]Hi,
I'm having a similar problem, but haven't been able to resolve it yet. Troubleshooting is made even harder by the fact that this is only happening on our production server, and I've been unable to reproduce it in the lab.
I'll post whatever findings I have and hopefully we'll be able to find a solution with the help of BEA engineers.
In my case, I have a stand-alone Tomcat server that runs fine for about 1-2 days, and then the JVM suddenly starts using more CPU, and as a result, the server load shoots up (normal CPU utilization is ~5% but eventually goes up to ~95%; load goes from 0.1 to 4+).
What I have found so far is that this corresponds to increased GC activity.
Let me list my environment specs before I proceed, though:
CPU: Dual Xeon 3.06GHz
RAM: 2GB
OS: RHEL4.4 (2.6.9-42.0.2.ELsmp)
JVM build 1.5.0_03-b07 (BEA JRockit(R) (build dra-45238-20050523-2008-linux-ia32, R25.2.0-28))
Tomcat version 5.5.12
JAVA_OPTS="-Xms768m -Xmx768m -XXtlasize16k -XXlargeobjectlimit16k -Xverbose:memory,cpuinfo -Xverboselog:/var/log/tomcat5/jvm.log -Xverbosetimestamp"
Here are excerpts from my verbose log (I'm getting some HT warning, not sure if that's a problem):
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Detected SMP with 2 CPUs that support HT.
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Trying to determine if HT is enabled.
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Trying to read from /dev/cpu/0/cpuid
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Warning: Failed to read from /dev/cpu/0/cpuid
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Trying to read from /dev/cpu/1/cpuid
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Warning: Failed to read from /dev/cpu/1/cpuid
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] HT is: supported by the CPU, not enabled by the OS, enabled in JRockit.
[Fri Oct 20 15:54:18 2006][22855][cpuinfo] Warning: HT enabled even though OS does not seem to support it.
[Fri Oct 20 15:54:55 2006][22855][memory ] GC strategy: System optimized over throughput (initial strategy singleparpar)
[Fri Oct 20 15:54:55 2006][22855][memory ] heap size: 786432K, maximal heap size: 786432K
[Fri Oct 20 16:07:30 2006][22855][memory ] Changing GC strategy to generational, parallel mark and parallel sweep
[Fri Oct 20 16:07:30 2006][22855][memory ] 791.642-791.874: GC 786432K->266892K (786432K), 232.000 ms
[Fri Oct 20 16:08:02 2006][22855][memory ] 824.122: nursery GC 291998K->274164K (786432K), 175.873 ms
[Fri Oct 20 16:09:51 2006][22855][memory ] 932.526: nursery GC 299321K->281775K (786432K), 110.879 ms
[Fri Oct 20 16:10:24 2006][22855][memory ] 965.844: nursery GC 308151K->292222K (786432K), 174.609 ms
[Fri Oct 20 16:11:54 2006][22855][memory ] 1056.368: nursery GC 314718K->300068K (786432K), 66.032 ms
[Sat Oct 21 23:21:09 2006][22855][memory ] 113210.427: nursery GC 734274K->676137K (786432K), 188.985 ms
[Sat Oct 21 23:30:41 2006][22855][memory ] 113783.140: nursery GC 766601K->708592K (786432K), 96.007 ms
[Sat Oct 21 23:36:15 2006][22855][memory ] 114116.332-114116.576: GC 756832K->86835K (786432K), 243.333 ms
[Sat Oct 21 23:48:20 2006][22855][memory ] 114841.653: nursery GC 182299K->122396K (786432K), 175.252 ms
[Sat Oct 21 23:48:52 2006][22855][memory ] 114873.851: nursery GC 195060K->130483K (786432K), 142.122 ms
[Sun Oct 22 00:01:31 2006][22855][memory ] 115632.706: nursery GC 224096K->166618K (786432K), 327.264 ms
[Sun Oct 22 00:16:37 2006][22855][memory ] 116539.368: nursery GC 246564K->186328K (786432K), 173.888 ms
[Sun Oct 22 00:26:21 2006][22855][memory ] 117122.577: nursery GC 279056K->221543K (786432K), 170.367 ms
[Sun Oct 22 00:26:21 2006][22855][memory ] 117123.041: nursery GC 290439K->225833K (786432K), 69.170 ms
[Sun Oct 22 00:29:10 2006][22855][memory ] 117291.795: nursery GC 298947K->238083K (786432K), 207.200 ms
[Sun Oct 22 00:39:05 2006][22855][memory ] 117886.478: nursery GC 326956K->263441K (786432K), 87.009 ms
[Sun Oct 22 00:55:22 2006][22855][memory ] 118863.947: nursery GC 357229K->298971K (786432K), 246.643 ms
[Sun Oct 22 01:08:17 2006][22855][memory ] 119638.750: nursery GC 381744K->322332K (786432K), 147.996 ms
[Sun Oct 22 01:11:22 2006][22855][memory ] 119824.249: nursery GC 398678K->336478K (786432K), 93.046 ms
[Sun Oct 22 01:21:35 2006][22855][memory ] 120436.740: nursery GC 409150K->345186K (786432K), 81.304 ms
[Sun Oct 22 01:21:38 2006][22855][memory ] 120439.582: nursery GC 409986K->345832K (786432K), 153.534 ms
[Sun Oct 22 01:21:42 2006][22855][memory ] 120443.544: nursery GC 410632K->346473K (786432K), 121.371 ms
[Sun Oct 22 01:21:44 2006][22855][memory ] 120445.508: nursery GC 411273K->347591K (786432K), 60.688 ms
[Sun Oct 22 01:21:44 2006][22855][memory ] 120445.623: nursery GC 412391K->347785K (786432K), 68.935 ms
[Sun Oct 22 01:21:45 2006][22855][memory ] 120446.576: nursery GC 412585K->348897K (786432K), 152.333 ms
[Sun Oct 22 01:21:45 2006][22855][memory ] 120446.783: nursery GC 413697K->349080K (786432K), 70.456 ms
[Sun Oct 22 01:34:16 2006][22855][memory ] 121197.612: nursery GC 437378K->383392K (786432K), 165.771 ms
[Sun Oct 22 01:37:37 2006][22855][memory ] 121398.496: nursery GC 469709K->409076K (786432K), 78.257 ms
[Sun Oct 22 01:37:37 2006][22855][memory ] 121398.730: nursery GC 502490K->437713K (786432K), 65.747 ms
[Sun Oct 22 01:44:03 2006][22855][memory ] 121785.259: nursery GC 536605K->478156K (786432K), 132.293 ms
[Sun Oct 22 01:44:04 2006][22855][memory ] 121785.603: nursery GC 568408K->503635K (786432K), 71.751 ms
[Sun Oct 22 01:50:39 2006][22855][memory ] 122180.985: nursery GC 591332K->530811K (786432K), 131.831 ms
[Sun Oct 22 02:13:52 2006][22855][memory ] 123573.719: nursery GC 655566K->595257K (786432K), 117.311 ms
[Sun Oct 22 02:36:04 2006][22855][memory ] 124905.507: nursery GC 688896K->632129K (786432K), 346.990 ms
[Sun Oct 22 02:50:24 2006][22855][memory ] 125765.715-125765.904: GC 786032K->143954K (786432K), 189.000 ms
[Sun Oct 22 02:50:26 2006][22855][memory ] 125767.535-125767.761: GC 723232K->70948K (786432K), 225.000 ms
vvvvv
[Sun Oct 22 02:50:27 2006][22855][memory ] 125768.751-125768.817: GC 712032K->71390K (786432K), 64.919 ms
[Sun Oct 22 02:50:28 2006][22855][memory ] 125769.516-125769.698: GC 711632K->61175K (786432K), 182.000 ms
[Sun Oct 22 02:50:29 2006][22855][memory ] 125770.753-125770.880: GC 709632K->81558K (786432K), 126.000 ms
[Sun Oct 22 02:50:30 2006][22855][memory ] 125771.699-125771.878: GC 708432K->61368K (786432K), 179.000 ms
So, I'm running with the default GC strategy which lets the GC pick the most suitable approach (single space or generational). It seems to switch to generational almost immediately and runs well - most GC runs are in the nursery, and only once in a while it goes through the older space.
Now, if you look at [Sun Oct 22 02:50:27 2006], that's when everything changes. GC starts running every second (later on it's running 3 times a second) doing huge sweeps. It never goes through the nursery again, although the strategy is still generational.
It's all downhill from this point on, and it's a matter of hours (maybe a day) before we restart the server.
I guess my only question is: What would cause such GC behavior?
I would appreciate your ideas/comments!
Thanks,
Tenyo -
Have you had success using Deployment Manager in 9.1.0.2?
Have you had sucess with Deployment Manager in 9.1.0.2?
I am seeing very inconsistent before for simple imports UDF, simple adapters, etc. Things work better the first time only after a restart. Sometimes I can fail on the first UDF but other times I can get a couple out of 50.
We are running 9.1.0.2 BP01, Weblogic 10.3, Oracle 10.2.0.4 2-node rac database.
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Which phone model?
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Have you heard of the app for iPhone kik is it a virus?
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It's a messenging app > http://itunes.apple.com/us/app/kik-messenger/id357218860?mt=8
Not a virus. -
we are seeing a very high CPU usage for webservd. looking at the java stack it seems to be threads communicating to sun one LDAP server.
Anyone experienced this? is there a know issue in Java LDAP SDK?
Sun ONE Web Server 6.1SP4 B12/16/2004
17393 root 3741M 1655M cpu0 10 0 59:30:33 8.8% webservd/6235
17393 root 3741M 1655M cpu16 10 0 223:58:38 8.7% webservd/5043
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[02/Aug/2006:15:06:16] warning (17393): CORE3283: stderr: "BlockedThread" daemon prio=1
0 tid=0x01110650 nid=0xb56 runnable [0x1714f000..0x1714fc10]
[02/Aug/2006:15:06:16] warning (17393): CORE3283: stderr: at netscape.ldap.LDAPSe
archListener.nextMessage(LDAPSearchListener.java:86)
[02/Aug/2006:15:06:16] warning (17393): CORE3283: stderr: at netscape.ldap.LDAPSe
archListener.getResponse(LDAPSearchListener.java:77)
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.ldap.event.BlockedThread.run(BlockedThread.java:121)
[02/Aug/2006:15:06:16] warning (17393): CORE3283: stderr: at java.lang.Thread.run
(Thread.java:595)forgot to mention: OS is solaris 9
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I have a CC for individuals membership on annual plan paid monthly. How do i upgrade this to the CC for teams plan so that I can add my first employee licence?
Hi Alexalloy,
This should help. Cancel your membership or subscription | Creative Cloud
Cheers!
~ Arpit -
Do I have to uninstall my trial apps for CC (expired) so that my daughter's subscription can begin? We both use the same computer, and nothing happens when she tries to download PS.
It is always a good idea to uninstall before installing new, so the system registry entries are fresh
-http://forums.adobe.com/thread/1408331?tstart=0
-http://forums.adobe.com/thread/1398961?tstart=0
-and http://helpx.adobe.com/creative-cloud/help/install-apps.html
-using the cleaner after uninstalling and before reinstalling will usually help
-http://helpx.adobe.com/creative-suite/kb/cs5-cleaner-tool-installation-problems.html -
I have prepared a personal budget and sorted the planned expenses by month, but they are out of order. How do I correct?
David,
You've got to give us something to go on here. At least post a screen shot so we can see how your data is arranged. I suspect that you may have named the months with text strings rather than as actual Date values, so when you sort they are in alphabetical order rather than date order.
Jerry -
Higher End Usage for Airport Network
Greetings...
I am creating a wireless network for my company of which there are roughly 40 users who will be using it intermittently. In order to cover the area I have, I installed 3 Airport Extreme (new ones), gave them all the same wireless network name, and the exact same authentication method & password. This does allow any given person to roam around the office without losing their wireless connection, however some iBook G4's are having problems switching to a base station with a stronger signal and are instead insisting upon using one further away with a far less stable connection... I can force it to use a closer one by signing off the network completely and signing back on, but if you restart, it picks the further away base station once again. Anyone have any ideas on this? My logic for not using WDS is for more bandwidth as each base station has access to an ethernet drop. It is still better to use WDS instead of each base station having a dedicated LAN connection?I had the same problem. So, I named each airport with a unique name and now have 5 different signons possible (5 airports). It did not fix the problem, but as I use it more and more, I am able to figure out which airport should be used for what area. Also, I use iStumbler to see the signal/noise levels in different locations. That has helped some. Still, this is a problem that Apple needs to look into. OSX just doesn't switch to the highest level airport connection when it should.
iStumbler will give you a lot of data about your wifi network and I highly recommend it. You can get it here for free, http://www.istumbler.net/ If you like it, I suggest giving the author a donation. -
High CPU usage for SERVER0 process in XI
Hi,
SERVER0 process is taking high CPU usage, previously it happen once its due to communication channel error, So we deativated some unwanted communication channels in Alert config and the CPU usage is reduced.
After some weeks its again CPU usage is increasing for SERVER0 process in some time.
Can anyone help in this case.
Thank you,
gopi.Hi Gopi,
Check out Tim's reply and check for ur Java stack settings,
Extended Memory parameters
<i>The bottom line for J stacks is to keep everything in memory and out of swap. </i>
Other tips:
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- try increasing virtual memory
- increase heap size
<i>[Reward if helpful]</i>
Regards,
Prateek -
Have you noticed high fan RPMs after installing Quadro 4000 ?
Just after I installed my new Nvidia Quadro 4000 for Mac I noticed that the fans are running at a much higher speed, everything else is working fine though, has anybody else noticed something like this ?, thanks
Yes it has been reported.
We have some threads over the last months, and on MacRumors.
Do you have ATI 5770 in there also?
I would use SmcFanControl 2.2.2 and boost the fans to get moe air flowing to begin and prevent heat buildup.
smcFanControl
Mac Pro MacRumors -
Refunds: Who has applied? Have you changed your mind? Have you had a response?
I have.
On one hand this program is currently of no use to me, and I simply don't have time to learn to use it. The money isn't a big factor for me (my concern about the future is), but if I am not going to be using it, I figured I might as well get a refund.
On the other hand I see a few nice little features which I might as well hang on to it for, and also, I can only hope, all the missing things that render it useless will come back... so I might as well hang on!
Either way, I haven't heard a peep from Apple since I applied for my refund (by three different means) yesterday at about 16:00 GMT.
Have you?Look what I just received in my inbox:
Dear Nezih,
Greeting from Apple iTunes Store Customer Support. I am Sridhar and I am glad to assist you today.
Firstly, I would like to apologize for the delay in our response. This is certainly not the customary wait time for a reply from iTunes Store Customer Support. We have been experiencing higher than expected volumes of e-mail, and your patience is greatly appreciated.
I'm sorry to learn that you purchased a app called "Final Cut Pro" and it is not working as you expected. I know how eager you are to have this issue resolved.
I would like to inform you that I have reversed the charge for "Final Cut Pro," which I understand you purchased unintentionally. In three to five business days, a credit of £179.99 GBP should be posted to the credit card that appears on the receipt for that purchase.
If you require further assistance, please do not hesitate to reply to this email and I will be more than happy to assist you further.
I would like to inform you that a follow-up will be sent to you within 24 hours for verifying the issue is resolved.
You are a valued iTunes Store customer, and your satisfaction is of the utmost importance. Have a great day!
Sincerely,
Sridhar
iTunes Store Customer Support
http://www.apple.com/support/itunes/ww/
Please Note: I work Sunday, Monday, Tuesday, Wednesday and Saturday, 11AM-8PM CST
Thank you for allowing me the opportunity to assist you. You may receive an AppleCare survey email; any feedback you provide would be greatly appreciated.
Customer First Name : nezih
Customer Last Name : ********
email : *************
Web Order # :
Support Subject : iTunes Store Account and Billing
Sub Issue : Billing Inquiries
See additional info below
OS version: Mac OS X 10.6.x
Country: United Kingdom
iTunes version: iTunes 10.3
Apple ID:
Specific request: I have an invoice question
Details:
179.00, Final cuts purchased customer doesn't feel it does what felt it should do.Would like to discuss a refund..
TrackID: 15333402
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