Credit card charges

[corymcd88]

I'm an AU on my mum account and if the balance was to go up to 5 or 8k would that have any impact on my credit score? It does report on my credit file. The CC has a high limit. I was told yes it will and I was also told no, the bank said no because it is an AU.

[pizzadude]

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@corymcd88 wrote:

I'm an AU on my mum account and if the balance was to go up to 5 or 8k would that have any impact on my credit score? It does report on my credit file. The CC has a high limit. I was told yes it will and I was also told no, the bank said no because it is an AU.

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Yes, the utilization for this card will be factored in by FICO calculations ~ and for any accounts on your credit reports.

[gdale6]

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@corymcd88 wrote:

I'm an AU on my mum account and if the balance was to go up to 5 or 8k would that have any impact on my credit score? It does report on my credit file. The CC has a high limit. I was told yes it will and I was also told no, the bank said no because it is an AU.

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To those that included AUs in scoring (a lot dont) it will make a difference. Now if its 8K out of 50K I would not worry about it too much.

[corymcd88]

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@gdale6 wrote:

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@corymcd88 wrote:

I'm an AU on my mum account and if the balance was to go up to 5 or 8k would that have any impact on my credit score? It does report on my credit file. The CC has a high limit. I was told yes it will and I was also told no, the bank said no because it is an AU.

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To those that included AUs in scoring (a lot dont) it will make a difference. Now if its 8K out of 50K I would not worry about it too much.

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I have a 6k left on my car loan, the CC has a 30k limit. I just don't want to have issure with any on my CC a balance increase. I know AMEX is sometimes funny that way.