steelyman
Moderator Emeritus
Sometimes that preference affects the credit score as the debt to limit ratio can reach close to 50% on a month that we have a big purchase. That will lower the score a handful of points.
My card usage pattern seems similar to yours and I see the same variance in score following a month with unusually large charges. The past couple of years I’ve requested a credit limit increase from the card issuers (never had a problem) to reduce the debt-to-limit ratio.
I don’t watch the score as much as I might the stock market so the current score and trends shown on my monthly card statements are fine. Quicken seems to update the score (VantageScore) quarterly.
[ADDED] I also have a reminder set to get credit reports from annualcreditreport.com, rotating between the agencies. Easy to do although Equifax manages to be the most difficult in my experience.
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