Using high utilization on just one credit card?

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Dec 15, 2010 9:58 pm

JP70 that's great feedback. The only additional thing I can think of to add is the part about total CUR and seperate account CUR.

The balance I am carrying is low (<$2,000) and my other cards have < 10% ratio, so yah as JL70 is pointing out, I don't owe money to everyone on the block, and I guess the card approver took that into consideration.The balance I am carrying is low (<$2,000) and my other cards have < 10% ratio, so yah as JL70 is pointing out, I don't owe money to everyone on the block, and I guess the card approver took that into consideration.

Since your other cards have under 10% I agree that it is unlikely it dinged your score by much. I do know there are two parts to the CUR, one based on individual accounts and the other as the average ratio across all accounts. Most likely your average ratio is fine it's just that new card with over 50% that may be a problem for the individual accounts calculation.

But to what point that affects the score who knows. My guess would be little impact like the 10-20 points you suspected but I guess only FICO would know for sure.

The no-preset limit cards can be a problem and it's frustrating with how many are switching to World and Signature. I believe this is done for credit lines to be more easily controlled. That way your line could be slashed but you would never know.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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Postby ronnieloo » Tue Jan 04, 2011 1:37 am

hypothetical situation.

if i had a 760 credit score and then carried a balance of 75% of my credit limit for 3 months on a card how much would that affect my score. any good guesses?

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Postby debitcardsblow » Sun Jan 09, 2011 2:40 pm

If high utilization is bad on one card then how is one expected to do a decent size balance transfer and consolidate their balances to one card. That's what it says on those damn checks I get mailed eveyr month. Does that mean their recommendation would hurt a credit score?

Note - I do not have balances myself but am asking to make a point.

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Postby Cucumber » Mon Jan 24, 2011 2:24 am

Total Balances ÷ Total Credit Limits = Your Revolving Utilization

It has been said on here that their are 2 utilization numbers, 1 for total and 1 per account and if one account has a high amount it will hurt.
Stop talking crap about him!

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Postby scoleman » Fri Aug 01, 2014 5:10 pm


My Credit Score per just got dinged by 19 pts. because the Debt Usage increased from 2% to 8% for ONE MONTH due to several large bills hitting at one time ALTHOUGH THE MONTHLY BALANCES ARE ALWAYS PAID IN FULL EVERY MONTH AND HAVE BEEN FOR YEARS. That's CRAZY... So, now whenever any balance starts to get up more'n usual we're making interim payments as the debits hit the ledger. May help, may not... who knows in this wunerful ef'd up world of BIG MONEY.



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Postby papelet » Sat Aug 02, 2014 7:55 am

Mogul of Pineapples wrote:From what I read credit utilization is counted in two ways for FICO scores.

One way is the average utilization across all accounts.

The second way is based on individual accounts. If there is one account with a high CUR it won't mess up the average, but it will mess up this part.

As far as how long credit utilization affects your credit score, I don't know. Does anyone else have any clues?

1st. Express NEXT --------------$1,990
2nd.Cap1 Platinum MC ---------$3,250
3rd. Discover IT -------------------$5,600
4th. CSP Visa Signature --------$13,000
5th. Citi TY Pref World MC ------$5,900
6th. Freedom Visa Signature ---$7,900
7th. Amex Blue Cash Everyday-$18,000
8th. Barclays Arrival+ WEMC---$13,000

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