which credit card utilization will be reported?
2012-12-26 12:08 am
Hello,my credit card limit is $1,000 and there is a balance of $800 now. If I pay $700 before the closing date and just left $100 balance, which utilization will be reported? 80% or 10% ? thanks
回答 (1)
2012-12-29 7:06 pm
✔ 最佳答案
If they report before you pay, then 80%.If they report after you send the payment, but before they post it to your account, then 80%.
If they report after they post it to your account, then 10%.
This question is really much simpler than it seems. The utilization that is reported is whatever your balance is when they report, divided by $1000.
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