https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GE-Credit-Holding-Funds-Affecting-Utilization/m-p/2090237#M264066 <P>We have 2 accounts with GE Credit, both of them are cards.</P><P>Each account was maxed out at $3000 and $1000</P><P>On 4/12 we paid them down to 500/3000 and 500/1000</P><P>Our online account shows the payments made, but our available credit is showing at $100 on each account.</P><P>We called and was told that the account balance is being held 10-14 days, but the available balance will adjust after the hold period.</P><P>Is this typical of when someone pays down an account that much?</P><P>&nbsp;</P><P>This was not a check that would be waiting for funds to clear, as we paid this down online with our debit card.</P><P>&nbsp;</P><P>I was hoping for a big bump by paying down the utilization, but the wait is killing me. I would like to know if any of you had experienced this "hold" before?</P><P>&nbsp;</P> Wed, 24 Apr 2013 11:40:13 GMT xecutech 2013-04-24T11:40:13Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GE-Credit-Holding-Funds-Affecting-Utilization/m-p/2090237#M264066 <P>We have 2 accounts with GE Credit, both of them are cards.</P><P>Each account was maxed out at $3000 and $1000</P><P>On 4/12 we paid them down to 500/3000 and 500/1000</P><P>Our online account shows the payments made, but our available credit is showing at $100 on each account.</P><P>We called and was told that the account balance is being held 10-14 days, but the available balance will adjust after the hold period.</P><P>Is this typical of when someone pays down an account that much?</P><P>&nbsp;</P><P>This was not a check that would be waiting for funds to clear, as we paid this down online with our debit card.</P><P>&nbsp;</P><P>I was hoping for a big bump by paying down the utilization, but the wait is killing me. I would like to know if any of you had experienced this "hold" before?</P><P>&nbsp;</P> Wed, 24 Apr 2013 11:40:13 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GE-Credit-Holding-Funds-Affecting-Utilization/m-p/2090237#M264066 xecutech 2013-04-24T11:40:13Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GE-Credit-Holding-Funds-Affecting-Utilization/m-p/2090257#M264068 <P>This is pretty normal....for many lenders.</P><P>I have had it happen many times until you create a pattern with them of making large payments.</P> Wed, 24 Apr 2013 12:17:11 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GE-Credit-Holding-Funds-Affecting-Utilization/m-p/2090257#M264068 dodfire 2013-04-24T12:17:11Z