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Posts: 52
Registered: ‎05-21-2012
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How would a NEGATIVE balance affect credit scores?

[ Edited ]

Yesterday I paid off my honeymoon cruise in full with my new AMEX BCP. $2200 cruise payment, $5000 credit line. As soon as I saw the cruise payment pending on my AMEX card I paid $2150 from my savings account onto my AMEX so I wouldn't show such a huge balance on the card for a long period of time, especially not on my first close date.


Well, my payment posted first! Now my balance on my AMEX card is over negative $2000, lol.


I was wondering - has anyone ever experimented with how something like that would impact a credit score? What if your overall utilization was -2%, lol.

AMEX BCP : $30K | Citi Forward : $15K | Citi Dividend : $14K | BoA Travel Rewards : 7K | NFL Cash Rewards : $6K | Chase Freedom : $10K | Discover IT : $6.5K | AMEX BCE: $5k | Age: 26 | Occupation: Grad Student | CreditKarma: 800TU/812EQ |
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Posts: 355
Registered: ‎04-21-2012
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Re: How would a NEGATIVE balance affect credit scores?

Interesting thought as I have never had more than a few dollars overpaid anything.  But unless your AMEX account is due for your monthly statement very soon, it is more likely they won't report a negative balance at all - more likely a zero balance.  And therefore no difference to your utilization.

Starting Score: 732 October 2007; Current Score: EQ 835; TU 806, May 2017;
Oldest Reporting Account: 15.3 years; EQ AAoA: 7.2 years; typical credit utilization 1.2% typical single card utilization 8.3%
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Posts: 474
Registered: ‎04-09-2012
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Re: How would a NEGATIVE balance affect credit scores?

Any time this has happened to me, such as returning something after I've paid the bill, it has reported as $0.

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Posts: 7,225
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Re: How would a NEGATIVE balance affect credit scores?

Mine has always reported as zero, even when there was a credit on the account

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Valued Contributor
Posts: 1,535
Registered: ‎01-14-2009
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Re: How would a NEGATIVE balance affect credit scores?

As others have mentioned, it will report as a zero balance.

Posts: 3,367
Registered: ‎10-19-2012
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Re: How would a NEGATIVE balance affect credit scores?

kevinjjc wrote:

As others have mentioned, it will report as a zero balance.



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