Does a default count as total credit usage?

stewartwilliams

Got one defaulted credit card that I'm paying back bit by bit (going to start reducing this quicker from next month's payday as I'm getting some overtime at present and will throw more at it).
The outstanding balance is around 75% of the limit i.e. £1200 of £1600.

I got myself a new credit card back in January that had a low £200 limit, and have now been offered an £800 limit as I'm keeping that in good stead.

Do both of these, to other lenders, show that I'm using say 50% of my £2400 "available" credit, or is the non-defaulted card the only one a lender might be concerned about?

MorningcoffeeIV

They'll look at both individual cards and totals. 

But the utilisation stats are fairly irrelevant, compared to the default.