How does a credit balance affect AZEO?

[CorpCrMgr1]

I immediately have my points transferred to my cards usually after I pay my card. I end up with a couple of dollars on my credit card in my favor. If all cards are PIF how would one credit balance be counted?

[NoHardLimits]

In my experience, a credit balance is the same as a zero balance for AZEO calculations.

[SouthJamaica]

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@CorpCrMgr1 wrote:

I immediately have my points transferred to my cards usually after I pay my card. I end up with a couple of dollars on my credit card in my favor. If all cards are PIF how would one credit balance be counted?

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A credit balance is reported as a zero balance.

[Horseshoez]

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@SouthJamaica wrote:

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@CorpCrMgr1 wrote:

I immediately have my points transferred to my cards usually after I pay my card. I end up with a couple of dollars on my credit card in my favor. If all cards are PIF how would one credit balance be counted?

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A credit balance is reported as a zero balance.

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^ This!  I've been there a few times over the last four years, and each time my FICO scores take a 15-20 point whack.

[CorpCrMgr1]

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@NoHardLimits wrote:

In my experience, a credit balance is the same as a zero balance for AZEO calculations.

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Thank you. 

[CorpCrMgr1]

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@SouthJamaica wrote:

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@CorpCrMgr1 wrote:

I immediately have my points transferred to my cards usually after I pay my card. I end up with a couple of dollars on my credit card in my favor. If all cards are PIF how would one credit balance be counted?

---

A credit balance is reported as a zero balance.

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Thank you.

[CorpCrMgr1]

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@Horseshoez wrote:

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@SouthJamaica wrote:

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@CorpCrMgr1 wrote:

I immediately have my points transferred to my cards usually after I pay my card. I end up with a couple of dollars on my credit card in my favor. If all cards are PIF how would one credit balance be counted?

---

A credit balance is reported as a zero balance.

---

^ This!  I've been there a few times over the last four years, and each time my FICO scores take a 15-20 point whack.

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Thank you.