Jun 1, 2018 · Re: Spreadsheet to track card usage I have a TON of cards so I keep an excel spreadsheet with columns from left to right: Credit Card, Total CL, Current Balance, % used, amount …

Re: 50% may be utilization threshold for individual card Cool thank you for the dp! Then that would seem to dispel the belief that only the highest individually utilized revolver matters scorewise.

Jun 30, 2024 · Re: What's the ideal credit utilization ratio for building credit? Sweet spot is .001 on a single card. I wasn't aware that Bots could use credit cards.

May 14, 2024 · Quick question, I know I read on here somewhere that fico scores are triggered when your utilization is below 90%, 70%, 50%, 30% and 10%. My question is, do those thresholds only …

Dec 18, 2017 · The Truth about Credit Card Utilization Another post to add to my signature link of common questions and answers new members post! Your FICO score is more than your overall …

May 10, 2020 · I have some extra cash and would like to pay down some credit card debt, but trying to figure out how much to pay on each card. I know that the lower the utilization, the better (obviously), …

Nov 17, 2023 · For individual utilization - Fico looks at highest level of utilization on all your cards and scores accordingly. Really not much/any impact under 29% individually.

Jul 2, 2019 · The utilization thresholds for an individual credit card are 28.9%, 48.9%, 68.9% and 88.9%. Above 88.9% utilization is considered maxed out. If you are able to bring the utilization down to …

Mar 4, 2024 · Yes a closed credit card with a balance does affect your aggregate revolving utilization. The debt counts, but the limit is now excluded from the equation. Some lenders might even report …

Apr 10, 2024 · Hello! On my credit file, I am using about 14% utilization rate. One card got reported over 90%. Does one single card being over 30% hurt my FICO score or is it based on overall credit limit? …