Bad Credit Rating for paying off CC

amandawhit

I have a Tesco credit card that I use for pretty much every purchase during the month. This enables me to collect Clubcard points. However, because I use it for everything, I sail close to the credit limit, and pay off the balance in full each month.
Having checked my credit file, I see a "negative" because I am pretty close to my credit limit each month.
I thought I was being savvy by gaining clubcard points which have amounted to a decent amount towards my Christmas food shop, but it seems it is going against me.
Any advice?

[Deleted User]

It's a not a problem. The CRAs aren't lenders, which is why they only provide comedy scores and ratings, not real ones.

What you're doing is fine. It would only be an issue if you were carrying a revolving balance.

rhysadams

I do the same with my work expenses, apparently this looks bad on my credit score.

[Deleted User]

Nothing can look bad on your credit score as it’s not real

jimbo26

I think the OP means the section that is tilted "8 things you need to know about your credit profile..."

Because his credit utilisation is high Credit Club is probably showing a sad face.

I wouldn't worry too much, as lenders will see you are managing credit despite what Credit Club think.