topic I'm confused about utilization - clarification please! in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/90899#M11383 <DIV></DIV><DIV>I have a new CC with a $1100 CL.&nbsp; Suppose I charge $300 and pay $201 before my statement is printed (according to AMEX my statement will print the 30th).&nbsp; That would&nbsp;show utilization of 9% because the carryover balance would be $99 correct?</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;1100</DIV><DIV><U>x&nbsp;&nbsp;&nbsp;&nbsp; 9%</U></DIV><DIV>&nbsp;&nbsp;&nbsp;&nbsp; 99</DIV><DIV>&nbsp;</DIV> Sat, 03 Nov 2007 19:31:56 GMT inquring_minds 2007-11-03T19:31:56Z I'm confused about utilization - clarification please! https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/90899#M11383 <DIV></DIV><DIV>I have a new CC with a $1100 CL.&nbsp; Suppose I charge $300 and pay $201 before my statement is printed (according to AMEX my statement will print the 30th).&nbsp; That would&nbsp;show utilization of 9% because the carryover balance would be $99 correct?</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;1100</DIV><DIV><U>x&nbsp;&nbsp;&nbsp;&nbsp; 9%</U></DIV><DIV>&nbsp;&nbsp;&nbsp;&nbsp; 99</DIV><DIV>&nbsp;</DIV> Sat, 03 Nov 2007 19:31:56 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/90899#M11383 inquring_minds 2007-11-03T19:31:56Z Re: I'm confused about utilization - clarification please! https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/90903#M11384 <DIV>yes</DIV> Sat, 03 Nov 2007 19:50:19 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/90903#M11384 MidnightVoice 2007-11-03T19:50:19Z Re: I'm confused about utilization - clarification please! https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/91029#M11388 <DIV>Just remember that the date the bill is printed may not be the date the card is reported to the CRAs</DIV> Sat, 03 Nov 2007 23:38:28 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-m-confused-about-utilization-clarification-please/m-p/91029#M11388 RobertEG 2007-11-03T23:38:28Z