When consumers make a purchase with a credit card, the purchase amount gets added to their existing outstanding debt on that card. That outstanding debt figure is not monitored in real time by Experian, Equifax and TransUnion, the big three U.S. credit bureaus. However, they typically see outstanding debt when issuers report “use of available credit” every month. Each new credit card transaction does not substantially impact a consumer’s credit score but it does have an impact. The higher the percentage of use of available credit, the more negative the impact on a credit score. This i...