Hows does a positive balance effect scores?

[SwiftTone]

This is really just a question out of curiousity. I have no intention of doing this.

Recently I paid one of my cards down to $0. After the payment posted, I returned some stuff and received a reimbursement from Capital One for my AF. So now I have a $150 positive balance on the card. I don't think this is going to actually report to the CBs because the credits happened a day after the due date. But I was wondering if my credits actually posted before the due dates, and the statement closed with a positive balance, would a positive balance be reported to the CB? And if so, what type of effect would it have on scoring and utilization.

Not taking the credit in account, my utilization is 0.3% between my 3 cards.

[pakman92]

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@SwiftTone wrote:

This is really just a question out of curiousity. I have no intention of doing this.

Recently I paid one of my cards down to $0. After the payment posted, I returned some stuff and received a reimbursement from Capital One for my AF. So now I have a $150 positive balance on the card. I don't think this is going to actually report to the CBs because the credits happened a day after the due date. But I was wondering if my credits actually posted before the due dates, and the statement closed with a positive balance, would a positive balance be reported to the CB? And if so, what type of effect would it have on scoring and utilization.

Not taking the credit in account, my utilization is 0.3% between my 3 cards.

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I've had similar situation where I overpaid by $100 on a Chase, they reported 0 balance.

[pizzadude]

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@pakman92 wrote:

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I've had similar situation where I overpaid by $100 on a Chase, they reported 0 balance.

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+1.   It will very likely just show as a zero balance on your CRs.   I've never seen it reported any other way.