AA due to high util

[red259]

I was wondering if CCCs take AA for having high util showing on a credit report if the high util is showing prior to the payment due date. So for example if my util goes up very high and reports to my CR, but then I pay it down to reasonable levels by the due date would lenders take AA? 

[titanofold]

Typically no. It's when it remains it a high util for a long, long time that you might be at risk of AA.

[Anonymous]

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@red259 wrote:

I was wondering if CCCs take AA for having high util showing on a credit report if the high util is showing prior to the payment due date. So for example if my util goes up very high and reports to my CR, but then I pay it down to reasonable levels by the due date would lenders take AA? 

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No. I do that all the time when I'm not applying for new credit and never had any issues.

I have had my CSP and TYP report >100 utilization at different times, and also had high balances report on Freedom, BCP, Ritz and other cards at same and/or different times. Think the "worst" month I had was when I went above my limit on my TYP, and I had several other cards at >70%. I was really busy that month and the statements cut without me realizing, so I thought I was going to get some sort of adverse action, but it never happened.

Currently, my utilization right now is about >40%. These are all new charges. Previous balances were already paid in full. I'll be keeping my balances low next month since there's a few cards I might app for. 

P.S. My scores are pretty ugly right now. Equifax.com FAKO says I have 660ish, Barclays FICO says I am 702.

[takeshi74]

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@titanofold wrote:

Typically no. It's when it remains it a high util for a long, long time that you might be at risk of AA.

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^ This.  I encountered AA due to high utilization but it was high utilization over a prolonged period of time.  I've had high utilization over short periods with no AA.

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@red259 wrote:

So for example if my util goes up very high and reports to my CR, but then I pay it down to reasonable levels by the due date would lenders take AA? 

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Paying by the due date wouldn't mean anything to any creditor aside from the one who is responsible for the account.  Your balance wouldn't be updated on your reports on the due date.  It would be updated at the next statement close.