credit card utilization//// help!!!!

[ethelrose]

quick question, Will a credit card utilization of 29% hurt my fico score? I am usually great at maintaining below 9% but this month was kinda crazy!

thank you

[MarineVietVet]

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@ethelrose wrote:

quick question, Will a credit card utilization of 29% hurt my fico score? I am usually great at maintaining below 9% but this month was kinda crazy!

thank you

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Real life gets in the way many times and going to 29% might hurt some but not a whole lot IMO. If you bring the utilization back down next month you'll recover quickly.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772

You can do the same thing with hard work

[ethelrose]

thank you so much for the quick response. Will def fix that issue next month

[ngerasimatos]

Credit cards are there to be used, I would not worry about one month or even a few months of high UTIL, unless you are actively seeking credit. Just try and pay it all down when you have extra cash flow.