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Mpshe

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I pay 60% of my cc before due date then I use 60% again before due date. Did I use 100%or 40%

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so if your cc has a $1000 credit limit and you are using all of it.  you pay $600 to bring your balance down to $400.  Then you use $600 again... you are using 100% of your CL.

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Why are you using 60% of your available credit? If this is something that will continue because of whatever reason you should either get another CC to help lower your utilization, and or ask for a CLI with the card you are using. You really shouldnt be using more than 20% max of your CL. To answer your question however, you are using 100% of your available CL as johnnybinsea shared with you.....cut it out. lol :)

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