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Does anyone know how much - if any - impact an over the c...

Established Contributor

Does anyone know how much - if any - impact an over the c...

Does anyone know how much - if any - impact an over the credit limit report has on your FICO?
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)
4 REPLIES
Moderator Emeritus

Re: Does anyone know how much - if any - impact an over the c...

HUGE! It hurts you ever more than being at 100% util.
Established Contributor

Re: Does anyone know how much - if any - impact an over the c...

Dang. Maybe a GW is in order! Also - what happened was I paid it two days late and the interest bumped the bal  $3.08 OL.  But now the payment has posted and next month it won't be reported as OL. Is there a lasting effect on the OL?
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)
Moderator Emeritus

Re: Does anyone know how much - if any - impact an over the c...



TexMontana wrote:
Dang. Maybe a GW is in order! Also - what happened was I paid it two days late and the interest bumped the bal  $3.08 OL.  But now the payment has posted and next month it won't be reported as OL. Is there a lasting effect on the OL?



No lasting effect. It will only hurt you this month.
Established Contributor

Re: Does anyone know how much - if any - impact an over the c...

Whew! Thanks!
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)