Credit Card Center Advertiser Disclosure

Established Member
Posts: 23
Registered: ‎02-23-2010
0 Kudos

Card utilization question

All of my cards are paid off so technically I should have 0 utilization. But I accidentally overpaid my BB rewards mc by 136.00 so my last statement balance shows

-136.00. Will that help my score or have no affect at all? All I have to do now is get the state to properly report the tax liens and I should have everything in as good an order as I can get it.

3/10 Fico Eq-546
Fico TU-565
4/11 Fico Eq- 597
Regular Contributor
Posts: 170
Registered: ‎02-23-2010
0 Kudos

Re: Card utilization question

I overpay one of my cards that has a annual fee on it regularly and have overpaid several others occasionally, and it always reports as a $0 balance . So I would go with no, I wouldn't expect a change.

Established Contributor
Posts: 832
Registered: ‎01-16-2008
0 Kudos

Re: Card utilization question



It will show on your credit report as 0 balance.  At least mine always does.

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 414
Registered: ‎11-30-2008
0 Kudos

Re: Card utilization question

+1 again - Shows as $0, not a negative balance.

Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
0 Kudos

Re: Card utilization question

Many will lose some points (not a lot of points) for having $0 balances reporting on all revolving accounts. FICO will give a you a negative comment of "no recent usage of your revolving credit lines" (or something like that). 

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.