+ 3
as both posters said it depends when they pay.
you state both people pay before the due date?
but do they pay before the statement date?
if person 1 charged 1$ with a 5k limit. and paid before due date it would report 1 dollar.
if person 2 charged anything more then 4 dollars on a 20k limit and paid in full before due date, essentially would win that utilization game.
credit reports do not take into account spending habits.
correct me if im wrong?
