UTI question

[Andypanda]

My Cap 1 QS Bill just cut. I have a CR of $12,500. I had $550.11 due. I also have aproxamityy have $370 of my Cl on hold due to C1 investigating a fradulant charge. When calculating my UTI is it just the $550, or does it include the amount on hold?

Thanks for the help.

Andy

[Anonymous]

Whatever the reported balance on the statement is, divide it by the credit limit.

[RonM21]

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@Anonymous wrote:
Whatever the reported balance on the statement is, divide it by the credit limit.

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^This^

And obviiusly you know what you spent, and you'll know if they are including the full CL by looking at the statement.  Or, you can call and verify. 

[Anonymous]

I personally wouldn't think that it would be included in the statement balance, just that the amount in question would be removed from available credit... similar to a pending charge that didn't post I suppose.