No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Is previous months credit utilizations' factored into your credit score? Another way of asking will your credit utilization 6 months ago or even last month be factored into your credit score, or is only the current utilization considered?
No.
Utilization has no historical memory in FICO scoring. Scoring is done based only on your util at the time your score is generated.
