- Centurion Member
- Posts: 1141
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
Yep, as long as you are paying in full you're good. Keep using the card and avoiding interest fees.
You CAN make payments shortly before the balance is reported to get the utilization down, but I agree there is no need to worry about this. Utilization for credit-reporting purposes is just a snapshot in time (whereas the other factors have a long memory), so if you won't be taking out a loan in the next month it will have no impact on you.
EX - 804 (9/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now