@Remedios wrote: How is using 40% of the limit 99% utilized? Unless something changed since yesterday, 40%=40%.
I came within 40 cents ($0.40) of the limit, not 40%, which is 99% utilized.
Obviously I need more coffee.
I've had it happen to me when AU was added and Discover reported off cycle. I did ask them to report again after payment because I could not look at it. I lost less points than you, 19 or something like that.
Utilization was at 91% and because anything over 89% is considered maxed out, that was surprisingly small loss.
It was worth the 40 pt ding. I still was around 800 after it and I earned interest on the money, since it was at the 0% promo rate for a year.