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URL:  http://boards.fool.com/so-if-the-most-you-spent-in-any-one-month-during-30462725.aspx

Subject:  Re: Some house cleaning questions Date:  1/2/2013  6:37 PM
Author:  Gingko100 Number:  306618 of 308519

So, if the most you spent in any one month during the last few years on your daily spend card was $4,000, and you typically spend $2,000 in a month, your typical ratio will show as 50% and in the month you spend your maximum, the ratio will show as 100%. On a single card, these ratios can be high enough to trigger a lower credit score.
This is exactly what happened to me. I closed all cards, had one open card that reported my $ balance spent as my limit, so it looked like I was using 100% of my credit balance - making me look like a deadbeat.

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