Advice on Statement Frustration

[NLYTN]

So I recently charged about 2600 on my QS card (3K limit). It was necessary purchase. But being careful of what I let report out I paid it down 1500 after 3-4 days.  Now my frustrations is that  it was reported on to the bureau the day everything cleared (2 days  after purchase). I was shocked and surprised to see my score plummet  as I hadnt even received my statement yet!!! Low and behold today I received my statement with that amount showing.  Is this normal? My payment cleared the next day so why would they still report this.  Am I missing something? Is their someone I can contact about this? 

[redpat]

Sometimes there is reporting prior to statement cut.  Discover does this a lot.

Just timing no worries because utilization has no memory your score will recover next cycle.

If you are not looking to apply for credit there is really nothing to worry about.

[OmarGB9]

+1

[NLYTN]

My main concern is that it will show up on my CR under the highest amount of credit used. I really do not want to look like I've abused my credit. I will be looking to purchase a vechicle some time in the future so need to make sure I can get at least a healthy CLI to balance it out.. 6K should do it...j/k (would be nice though)

[redpat]

---

@NLYTN wrote:
My main concern is that it will show up on my CR under the highest amount of credit used. I really do not want to look like I've abused my credit. I will be looking to purchase a vechicle some time in the future so need to make sure I can get at least a healthy CLI to balance it out.. 6K should do it...j/k (would be nice though)

---

IMO, highest used shows using credit and ability to pay.  This is in no way an abuse of credit but showing your ability to use it and may get larger cl in the future.

[NLYTN]

This was the plan from the beginning but I didn't think it would post and not reflect my payment...learning experience.

[redpat]

By posting a larger balance used shows others the ability to use large cl and pay large balances.

if someone always worries about utilization every month it can hurt their chances for larger credit lines, IMO.

[UncleB]

---

@redpat wrote:

By posting a larger balance used shows others the ability to use large cl and pay large balances.

if someone always worries about utilization every month it can hurt their chances for larger credit lines, IMO.

---

+1

Actually, when I get a new card, at some point in the first year I like to 'run it up' for a month and purposely let it report... to demonstrate that I am capable of handling a large balance, and promptly paying it back down.  It lets the lender know it's 'safe' to give me a higher credit line, and other creditors can see that I'm responsible with higher balances as well.