How would my credit score be affected

[Anonymous]

Hello

I am an authorized user on my mothers credit card. Her credit limit is $4400 and a 0 balance. I was wondering how will it affect my credit score if I have a balance of $1000 on it. Currently my credit utilization is around 3%

[Anonymous]

You should expect a score decrease. If for no other reason, the individual utilization on that card will cross a few thresholds.

While it’s fairly impossible to say how much of a decrease at all, it’s even impossible to speculate without more info : how many cards do you have, what are their limits and what are their current balances?

[Anonymous]

Welcome. I respectfully disagree.

Actually if that’s your only AU account, you will actually realize a score increase because you’re receiving the “no revolving AU penalty” for it being at zero. (When all AU accounts are at zero, there is a no revolving AU balance penalty.) This is if the account actually counts and is not filtered out by the anti-abuse algorithm for versions eight and nine.

And individual revolving utilization thresholds are believed to begin at 28.9% so you shouldn’t cross a threshold and you should not receive any decrease, unless you cross a threshold by increasing the number of accounts with a balance.

One last thing, there may be a couple point loss just for the raw dollar amount, but I doubt that since you already have other balances elsewhere. So the result will be the combination of the above.

[Anonymous]

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-experiment-amp-score-drops-from-small...

[SouthJamaica]

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@Anonymous wrote:

Hello

I am an authorized user on my mothers credit card. Her credit limit is $4400 and a 0 balance. I was wondering how will it affect my credit score if I have a balance of $1000 on it. Currently my credit utilization is around 3%

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I do not think it will affect your score to report a $1000 balance on that card.