Utilization on Credit Cards And Report

[tvandine]

I've recently started having credit, i'm wondering about utilization on my credit report.

When cards are reported with utilization, is each individual card used for utlization, say if i used 30% on each of them, are they each used as 30% or are they combined together and made into a large percent with a lower utilization percentage?

Anyone explain that?

[-NewGuy-]

UTIL is scored both for individual accounts and as a whole. So, at 30% each card will be scored at 30% UTIL, and then your total UTIL will also be assessed and scored.

[Anonymous]

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@tvandine wrote:

I've recently started having credit, i'm wondering about utilization on my credit report.

When cards are reported with utilization, is each individual card used for utlization, say if i used 30% on each of them, are they each used as 30% or are they combined together and made into a large percent with a lower utilization percentage?

Anyone explain that?

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Welcome to the forums!

Both individual and combined utilization are taken into account, and maxing individual cards is a no-no.

[takeshi74]

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@tvandine wrote:

When cards are reported with utilization, is each individual card used for utlization, say if i used 30% on each of them, are they each used as 30% or are they combined together and made into a large percent with a lower utilization percentage?

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Not a good example as 30% utilization on two cards (assuming no other cards to factor in) is also going to be 30% overall utilization.  However, as stated above, both indivudual and overall utilization matter anyway.