Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: Utilization and High Balances Question

Having an elevated high balance reporting in that field doesn't hurt any for the most part. I'd ignore it. It only comes into play in cases of charge cards or no preset limit CCs. CCs report the balance oyu had on the statement date, so base any payments around that. For max points get all CCs to report $0 except one and get the one to report less than 9% of the CL.