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For credit cards, is utilization measured on the debt to available credti at statement close or any time during the month? I will make a large purchase that will utilize 46% of my available credit on a single card (single purchase so I can not split among cards), but plat to pay off electronciall within 2 days of posting to my credit card and well before statementclose.
As long as you have it paid off before the statement closing it should not change your monthly balance, so you should be good to go.