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felipeii
Member since: December 2008
Total Contributions: 1
Activity
(1 Total Contributions)Credit Card Utilization and Average Credit Scores
I use my credit cards as if they were like charge cards. As soon as they are posted I pay in full before the statement date. I have online banking which only allows so many payments per cycle . For example Citibank has two different websites one citibank.com and citicard. When I am not able to pay through Citicard I pay through Citibank. I also do what is known as pushing a payment resulting in the credit card company showing them owing me. I get a C rating for my Utilization rate of 0% . My current Equifax fico score is 806 and my TransUnion Fico Score is 798 while your score (TransUnnion based) is 787. My question is : By my overpaying my credit cards am I hurting my credit scores ?
Comment posted 2 years ago
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