Do pre authorizations affect my credit score?

[Anonymous]

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?

[Anonymous]

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.

[SouthJamaica]

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@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

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[Anonymous]

On a side note, you can opt out of credit card offers, I would assume that by extension, this minimizes unsolicited preauthorizations.