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Appulakonda

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Credit Card Utilization
I have two cards and the total combined credit available to me is $5100. I am using around $200 every month. That is about 4% of my available credit. Then why is my credit card utilization showing as 0% in my credit report? Is it because I pay up the outstanding balance before last date for payment?

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If you are not carrying over a balance each month, then  your utilization is 0.

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