Okay so here is a question that I cannot find an answer to maybe I’m just not good at web searches. I know everything says keep a low utilization (1-10% or whatever). But, would there be a credit score difference between two exact reports one where the credit card balance is $2k out of $20k limit and one where the credit card balance is $4k out of $40k? (both have 10% utilization). The main reason I ask is that I travel frequently for my company and use my personal credit card (so I can cash in the earning points/cash back) then I get reimbursed within a few weeks. I have high limits so even with these extra expenses my utilization is low (5-8% generally). Also, I always pay off my statement balance every month. But I’m wondering if there is any credit score impact because of the total credit used (not % utilization). Basically all other factors aside say my two options were to use a company card (so my total dollar balance is lower) or get a CLI so my % utilization is still the same as my personal expenses with my current CL.
