How Will Single Card Util Affect Me?

I'm currently in the process of trying to get CapOne to like me in order to get the VX. I know they like heavy usage and I'm under the impression that I have to let it report. If I max my card out will that tank my scores and scare my other lenders? Will I get the same results running my card at 50-60% util and get an increase or do I have to really push it?

It all depends on your file. On a clean/thick file utilization so long as your PIF essentially doesn't matter. No other lenders are going to care about it since you're low risk. On a dirty file it's a different story, because on such a file that's already a greater risk things like high utilization can get magnified and be the cause for greater concern at times.

As far a tanking your scores, I guess it depends on how you define that term. I'm also not familiar with the rest of your profile. One high utilization card if you only have a couple (especially lower limit) cards is going to be much more harmful to your scores than one high utilization card against a profile with a bunch of cards and higher aggregate limits. Figure your before/after aggregate utilization. If you're crossing thresholds there in addition to the thresholds crossed on the individual card, you'd expect to see a greater score hit. If not, the one high utilization card IMO won't tank your scores at all by my definition... they'd just drop a bit.

I agree scorecard definitely matters and I totally agree with the analysis!