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I'll be traveling at the same time as my Cap1 reports to the credit bureaus. My balance on the cc will be $0, but there will be a pre-authorization hold from the hotel. Will this hold amount show as part of my utilization when the card reports?
No.
@ficofox wrote:I'll be traveling at the same time as my Cap1 reports to the credit bureaus. My balance on the cc will be $0, but there will be a pre-authorization hold from the hotel. Will this hold amount show as part of my utilization when the card reports?
No. Not until Cap1 receives a sales slip from the business.
Wonderful. Thank you all for your fast replies.
Also thanks to everyone for all of the other great posts. This forum has helped me bring my credit score from 'Poor' to 'Good' territory in under a year.
(Back to lurking.)
I tried to find the answer to this as well last month - happy to say auths have no impact on reporting!