Credit utilization question I have two credit cards 1: 4800 limit 1: 2000 limit both of them are 4500/4800 1500/2000 in ultilization, so like 90% my credit score is 650 right now. my bill for each card is on the 1st. If i paid both of them off on the 1st would my “credit file” update the ultilization in december, and give my credit score a boost? or would they wait till ne…