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

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Frequent Contributor
Posts: 414
Registered: ‎11-30-2008

Re: Card utilization question

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

Moderator Emeritus
Posts: 16,373
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 (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

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