Credit Cards Center Credit cards from our partners
Established Member
Posts: 23
Registered: ‎02-23-2010

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: 161
Registered: ‎02-23-2010

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.

Starting July 2012: 583 (myFICO Eq);
Current 11/2013: 719, (Lender Pull Eq) 690 (FICO Eq) 719 (WM TU)
Goal: 750 by 12/2014 & possibly new mortgage

NFCU Cash Rewards 17,500 ~ Care Credit $13,200 ~ Home Depot 8,000 ~ Sam's Club $6,000 ~ Walmart 3,100 ~ US Bank 2,000 ~ Victoria's Secret 1730 ~ Capital One 1500 ~ Target 1,000
Established Contributor
Posts: 832
Registered: ‎01-16-2008

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

Re: Card utilization question

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

Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007

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 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa

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.

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.