Balance Increase causes score drop?

[Anonymous]

Hey guys, I noticed on my past scorewatch history that I got some dings for having a balance increase on an account a while back. I was wondering if you could help me out on how much of a ding would take place if lets say:

I have a CC with a limit of $1000. I Charge 90, and pay it down to 40. The next month I charge 200, and pay it down to 120. Do you think a score would take a hit due to the balance increase from $40 to $120? Or perhaps as long your within the 10% util range, no change would take place? Thanks guys!

[Not_the_Point]

Something like 35% of your credit score is determined by how much balance you're carrying.

Typically you want to keep your balances at 9% or lower of your total available credit.It's also good practice to keep your debt on any one credit card to a reasonably low level so if the card company decides to rate-jack you and raise your interest rate to the maximum allowed legal limit, you can promptly pay the card off in full o avoid dishing out a good chunk of cash on interest fees.

Even if you're within the 10% range you might see some minor changes, but I would not think anything too drastic.