Primary User Utilization VS Authorized User Utilization

Anonymous — Wed, 17 Feb 2016 22:46:27 GMT

Hello,

I have a zero balance on the credit card I'm a primary user but the card I'm an authorized user has 2% utilization. Is it better to show utilization on the credit card I'm a primary user or does it not make a difference?

I'm looking what will be the best way to increase my score to purchase a house in two months.

Thanks!!

Re: Primary User Utilization VS Authorized User Utilization

Anonymous — Wed, 17 Feb 2016 23:03:46 GMT

@Anonymous wrote:
Hello,

I have a zero balance on the credit card I'm a primary user but the card I'm an authorized user has 2% utilization. Is it better to show utilization on the credit card I'm a primary user or does it not make a difference?

I'm looking what will be the best way to increase my score to purchase a house in two months.

Thanks!!

You always want to have a statement balance on at least one card. This does not mean that you can't pay in full, you can. Additionally some systems ignore AU accounts. Therefore, I would say that it is better to have the utilization on the primary card.

topic Primary User Utilization VS Authorized User Utilization in Credit Cards

Primary User Utilization VS Authorized User Utilization

Re: Primary User Utilization VS Authorized User Utilization