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Reply to "Why is DH's credit score higher than mine?"
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[quote=Anonymous]I really think it's the high ratio of charges to total credit available even if you're paying it off monthly. We recently switched from regularly using one credit card with a high limit to using another with a lower limit because we wanted to accumulate more frequent flier miles on the card. We always pay the balance off every month, as you do, but because the limit on that card is lower the ratio went up. We never gave it any thought until I got a notice from a credit monitoring service that it detected a change in our spending habits that could affect our credit scores -- and that was it. I was pretty surprised. I mean, why does it matter if we have, say, $100,000 in credit card limits each month, and use less than 10 percent of the limit, but almost all of that is only put on one card with a $20,000 limit? Insane. [/quote]
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