Established Member
Posts: 22
Registered: ‎06-15-2012
Re: Capital One Increase


authorized user use to not effect the regular user -- however to my knowledge things have changed.  just to be safe, assume it effects it and bring the UTIL % down to 9% or lower.  


formula = 


total card balance


total card line of credit 





250 card balance

------------------------ ==== 25% UTIL

1000 line of credit 


i just enter the card balance then press the "divide" symbol on the calculator and then enter the total line of credit = UTIL %



for myself, work job 1 to pay the bills and work job 2 to pay off debt.