DaveChristianEngineer

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Member Since: May 2015

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Credit card utilization and your credit score

Aug 28, 2015

Enter Your Reply  It is possible that your utilization ratio of 0% is due to your paying before the statement date. You will not pay interest on credit card balances if you pay your cc balances after the statement date (but before the due date). In my case, I automatically pay all my balances in full and never use a single cc so much that my debt/ credit limit exceeds 30% credit utilization.