18.Lets say that you have a credit card with small credit limit of $250. The current balance of $150. However, you pay the balance off each month in full when the statements comes. Can this be a factor in a utilization ratio that will affect a credit score?

1. Yes, because credit limit determines everything
2. Yes
3. No, because smaller amounts can be easily paid
4. Yes, & No depending on the amount
5. Yes, it can be a factor, because the lenders will report the balance at the time of billing. This limit and balance will affect your utilization ratio.