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How long will "high balance" amount stay on credit report? Assume I stop using that card thereafter.

Good question?

Say, I once used 50% of the credit line on one card. The credit report will record that as the high balance and it remains even after I pay it off. This is definitely a negative factor.

Will that record disappear after some time, if I start to use my card carefully and never let the statement balance exceed 30%? If yes, how long?

Thank you very much.

Asked by azuresky 3 months ago Flag this Question

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the high ballance doesnt matter it just shows that you use your card the only numbers that matter is last reported ballance and last payment amount

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garystidham 3 months ago

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