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karlos wrote:
...when you pay off the balance within 30 days? Or 60 days? Thank you.
Utilization is figured on the day your accounts reprt to the credit bureaus. Say for example all cards repot on the first of the month nd you are at 90% uti. You will take a hit. High utilization can be counteracted by paying off balances and allowing time forthechage to be reflected on your CRs