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If a merchant takes a pre authorization on one of my credit cards, does that authorized amount affect my score or credit in any way? Does it affect my oustanding balances ratios?
No, I would think nothing happens until the payment posts to your card and then the CC company has to report it to the bureaus.
@Anonymous wrote:If a merchant takes a pre authorization on one of my credit cards, does that authorized amount affect my score
no
or credit
no
in any way? Does it affect my oustanding balances ratios?
no
On a side note, you can opt out of credit card offers, I would assume that by extension, this minimizes unsolicited preauthorizations.