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Does it matter which card (visa or retail card) that shows utilization?

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bbb925
Regular Contributor

Does it matter which card (visa or retail card) that shows utilization?

I paid all my cc debt off tonight.  I need to charge a small amount to a cc to at least report 1 card with a 1% utilization before it posts to my report to get the greatest score boost for a mortgage loan.   Does it matter if it's a Synchrony cc (retail) or a Visa credit card that reports that utilization? 

Thanks for the help! Smiley Happy

Message 1 of 2
1 REPLY 1
Anonymous
Not applicable

Re: Does it matter which card (visa or retail card) that shows utilization?

I'd be inclined to say that you should use a card on which you want credit limit increases, since usage is often a factor in determining limits. But for strictly scoring purposes, it makes no difference.
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