How it works · the worked example
Same $731. Right card.
+$10,543 of house.
This is the real Gorgeous move. Most apps would tell you to pay the card down — Gorgeous tells you that the autopay you were running anyway just needs to land on the card whose snapshot isn't being taken this week. Same money, different card, score lifts the same amount.
Before
If $731 autopay lands on Quicksilver (closes in 3 days), it reports at 51%.
The move
Same autopay. Send it to Discover instead — its statement doesn't close for another 14 days.
After
Quicksilver reports at 29%. ~+20pt score · −0.25% rate · +$10,543 of house.
Same $731. Different card. Utilization drops before the snapshot — without spending a dollar less. Score → rate is a lender estimate; the dollar change uses estimateMaxLoan at the improved rate.
Why one rate point matters · 30yr fixed · $9,500/mo income
A 1-point worse mortgage rate costs you $38,809 of house at this income. That's the prize the bridge above is playing for — what high utilization is silently costing you, through your score, through your rate, into your approval letter.
Show the home-loan mathexpandcollapse
- Max total debt (43% of income)
- $4,085
- − Other debt + min cards
- − $550
- = Housing headroom / mo
- $3,535
- P&I + escrow per $1k @ 6.75%
- $7.53
- Max loan @ 6.75%
- $469,602
- P&I + escrow per $1k @ 7.75%
- $8.21
- Max loan @ 7.75%
- $430,793
Prefer the short version?