Utilization question. Which payment will impact score the most or does it matter?

[Anonymous]

Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey.

[Anonymous]

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@Anonymous wrote:
Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey.

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my guess is that the 1st scenario will result in a bigger score impact. The difference shouldn't be that big though.

[LS2982]

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@Anonymous wrote:
Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey.

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I agree I would go with scenario 1. A small score bump if any will occur.

[Anonymous]

Between the 2 cards, you have a UTIL of 80%. That's very high. Regardless what route you go, you are still using 50% so you wont see a big impact either route.

[Anonymous]

Hi @goosedog between the two I'm currently at 54%, not 80. Utilizing total of 9000 of 16500.