@jrands wrote:I accidentally let one of my CC report with a utilzation that exceeds the 48.9% threshold. To be exact, it reported with a utilization of 49.2%. It has been under the 48.9% for awhile. However, while this threshold was exceeded, my credit scores were unaffected. For background, I have like 6-8 CCs, but only two have balances -- this card and another card that's below the 28.9% threshold.
There has been more accurate thresholds reported, 9.5%, 29.5%, 49.5%, etc.
I believe the old ones where stated to ensure utilization report would be under threshold if interest fees were added.
I would recommend reading the below from Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20
@jrands wrote:I accidentally let one of my CC report with a utilzation that exceeds the 48.9% threshold. To be exact, it reported with a utilization of 49.2%. It has been under the 48.9% for awhile. However, while this threshold was exceeded, my credit scores were unaffected. For background, I have like 6-8 CCs, but only two have balances -- this card and another card that's below the 28.9% threshold.
The threshold is really 50%. We talk about lower numbers to avoid rounding up.
