Originally Posted by
RedSun
Can you explain how Experian would know that you cycle the CL? It is not that Experian does not care, but it does not know. It relies on the data reported from the bank. The data is only a snapshot at a single time. Experian only sees that you have a $15,000 balance out of its $20,000 CL. That is all it sees.
I think his/her point is, if this were very valuable info, the CRAs would work with the banks to capture it and enhance their models.
BTW, on this subject, I've cycled my CL about 3x this month on a Hyatt card and, despite my last payment clearing, they won't free up my credit. I assume it'll happen when the statement cuts (or they're about to cut me). All payments have been pulls from the same bank (only bank) that has been attached for years.