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deja00330099

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Trying to understand utilization
So if I have a limit of $300 and I use $250 which is way above 30% utilization rate, but I pay it down to leave a balance of $50 before the month's statement comes out, will the utilization rate reflect me using $250 or will it be based on the $50 balance that was left on the card.

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A lot of this depends on when your payment hits and when the card reports to the agencies.  You should be able to see the date here in CK that the card reports, so make sure your balance is the lowest then.

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