https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898552#M260674 <P>Yes, it will be used in your util calculation. This is exactly like GEMB/JCP store cards.</P> Tue, 19 Apr 2011 18:53:12 GMT vish1 2011-04-19T18:53:12Z https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898542#M260671 <P>I was just approved for a Jared card with a CL of $5100. &nbsp;Will this factor into my overall utilization being that it is a store card and not a major cc (i.e. AMEX, MC, VISA)?</P><P>&nbsp;</P><P>My current util is right around 33%- if this new Jared card counts it will drop me below 20% assuming I keep it really close to a zero balance.</P><P>&nbsp;</P><P>Thanks!</P> Tue, 19 Apr 2011 18:45:41 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898542#M260671 Jmc70 2011-04-19T18:45:41Z https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898552#M260674 <P>Yes, it will be used in your util calculation. This is exactly like GEMB/JCP store cards.</P> Tue, 19 Apr 2011 18:53:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898552#M260674 vish1 2011-04-19T18:53:12Z https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898556#M260675 <P>Yes, store cards factor into your overall util just like any other CC would.&nbsp; The drop to 20% util&nbsp;is nice, but to see the best impact on your scores you would want your util below 9% overall.&nbsp; Also, scores improve more if all but one CC has a balance of $0 with the remaining CC having a balance between 1 to 9% of the util.</P> Tue, 19 Apr 2011 18:59:28 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Util-question/m-p/898556#M260675 tpatterson2k9 2011-04-19T18:59:28Z