@KeepingOn wrote:
Does fico take into account how often a credit card is used and paid correctly, showing responsible credit behavior, or is monthly utilization looked at only for scoring purposes?
Payment history is the major portion of the scorecard: in that manner, yes over time a card being used and paid correctly does demonstrate responible behavior; however, that only is a one month at a time rollup. Instant in time revolving utilization (in all of it's metrics) is a smaller but still large portion of the scorecard.
