What is your credit card utilization

[galahad15]

7% utilization out of about $340k in total credit limits.

[Pikaboo-icu]

I owe $141. on $134,000 total credit..

I cannot bring myself to carry a balance.. I have 3 cards still on %0 intro interest too- UGH

I need to find a way to allow myself to carry a little balance but it messes with my brain. 

In fact, every time I charge, I start worrying until I pay it off. 

Guess I'm a lil crazy.. 

[UpperNwGuy]

I don’t think the OP was asking about carrying a balance.  In my case, I never carry a balance, but I never pay early either. My PenFed Power Cash statement will cut today with 10% utilization, as it does most months.  I’ll pay the balance off next week.  My Chase Sapphire Reserve statement will cut tomorrow with 5% utilization, and I’ll pay that off next week, too.  Overall utilization across all seven cards is under 3%.

[longtimelurker]

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@UpperNwGuy wrote:

I don’t think the OP was asking about carrying a balance.  In my case, I never carry a balance, but I never pay early either. My PenFed Power Cash statement will cut today with 10% utilization, as it does most months.  I’ll pay the balance off next week.  My Chase Sapphire Reserve statement will cut tomorrow with 5% utilization, and I’ll pay that off next week, too.  Overall utilization across all seven cards is under 3%.

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Sounds like you are paying before due date.  Is that because you don't do auto-pay?

[wasCB14]

In October my scores took a little dip from AZEE (All Zero Except Eight).

29% utilization...but no AA!

[Anonymous]

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@Pikaboo-icu wrote:

I owe $141. on $134,000 total credit..

I cannot bring myself to carry a balance.. I have 3 cards still on %0 intro interest too- UGH

I need to find a way to allow myself to carry a little balance but it messes with my brain. 

In fact, every time I charge, I start worrying until I pay it off. 

Guess I'm a lil crazy.. 

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I don't like balances either but to help my score I have carried them the last two years.  Put 2k on a no interest card and pay it down each  month.  Did NFCU 0 percent no balance tranfer back in February and have been paying it down each month.  It sill bothers me to show a balance though.  

[Anonymous]

Right now, my utilization is 17%.

[UpperNwGuy]

longtimelurker:  I do not autopay on any of my credit cards.  The only autopays I have at present are my monthly Medicare premium and the monthly rent on a storage unit.

The reason I will pay my PenFed and Chase cards next week is because I like to end each month with no unpaid balances.  That makes it easier for me to plan the following month’s spending.

[xaximus]

With my TCL being around $180k-190k - total balance currently is around 4k, around 2% (I think).

[Anonymous]

6 out of 6 cards naturally reporting of about 2.5k to 3k out of about 100k total limit, 2-4% UTI, might hit 7% with large purchases. On the business side, averages about 8k-12k with 2 out of 2 cards reporting out of 25k total limit, 32-50% UTI, have hit 70% in some months. Everything is PIF on due date via autopay.