Timeline for What happens to my credit history if I pay before my credit card bill is generated?
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| Apr 13, 2017 at 12:25 | history | edited | CommunityBot |
replaced http://money.stackexchange.com/ with https://money.stackexchange.com/
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| Apr 5, 2016 at 16:10 | comment | added | Joe | That graph is interesting, but it seems horribly misleading to me. It's a graph of survey responses; having 0% utilization doesn't necessarily hurt your score much (if at all). People with 0% utilization have lower scores for other reasons - many of them probably have nearly no available credit, in many cases because they can't qualify for any credit. At most 0% utilization hits you a couple of points - in the CK simulator it seems to knock 5 points off or so compared to relatively light utilization. | |
| Jul 30, 2013 at 2:03 | comment | added | John Bensin | @KevinK Great point. I recall using that feature with my first credit card, I think. I definitely remember that my first student card had an option to notify me if a purchase was made above a certain amount, but that's more of a fraud prevention mechanism. | |
| Jul 30, 2013 at 1:57 | comment | added | Kevin K | Something I have found useful: a lot of credit cards allow you to set up an e-mail alert when your balance gets too high. But you can usually specify any amount as a threshold, thus you can use it to help keep credit utilization low by setting the threshold to 20% of your limit :) | |
| Jul 29, 2013 at 21:46 | history | edited | John Bensin | CC BY-SA 3.0 |
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| Jul 29, 2013 at 21:22 | vote | accept | Vaishak Suresh | ||
| Jul 29, 2013 at 21:16 | history | edited | John Bensin | CC BY-SA 3.0 |
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| Jul 29, 2013 at 21:08 | history | answered | John Bensin | CC BY-SA 3.0 |