Transactions take too long to post!

[Anonymous]

To make it even more confusing, it's 8.9% balance or lower inclusive of any new interest that posts.

So if you happen to have interest posting this cycle, make sure your balance before it posts is 8.9% minus whatever interest you expect to post -- interest usually posts on statement cut date, so it can throw your utilization over 8.9% if you forget about it.

Hopefully OP is avoiding paying any interest because that's unnecessary if one is really working to build their credit score, but for those who are reading now, definitely consider any interest posting before calculating your 8.9% or lower amount.

[NRB525]

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@Anonymous wrote:

To make it even more confusing, it's 8.9% balance or lower inclusive of any new interest that posts.

So if you happen to have interest posting this cycle, make sure your balance before it posts is 8.9% minus whatever interest you expect to post -- interest usually posts on statement cut date, so it can throw your utilization over 8.9% if you forget about it.

Hopefully OP is avoiding paying any interest because that's unnecessary if one is really working to build their credit score, but for those who are reading now, definitely consider any interest posting before calculating your 8.9% or lower amount.

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OP is paying frequently so I really doubt any interest cost is a factor. But at +50% utilization on one card a score drop of 46 seems unlikely. 

[Anonymous]

Definitely unlikely, I'd like to know where OP got his credit scores from.

I guess going from AZEO to 50% on one card could technically drop someone enough if it also meant their aggregate utilization went up, but that's doubtful.

If it's the free Discover monthly score, maybe they pulled when he had massive high utilization on multiple cards which has since cleaned itself up and he has to wait for the the next score pull next month.