Credit Scenario Simulator
Model the decision before you make it.
What happens if I pay $3,000? What gets me under 10%? What does closing this card actually cost me? Exact arithmetic on the mechanics — and never a predicted score.
Comparing payment amounts · baseline 30.4%
Every scenario starts from the same baseline, so the difference between them is only the amount paid. Overall utilization falls by the same amount per dollar regardless of which account receives it — which account you pay decides whether individual cards cross their own boundaries.
What it does
Compare amounts side by side
Four payment amounts against one baseline, with the boundaries each one crosses — and which is the best value per dollar, which is often not the largest.
Solve for a target
“What gets me under 9%?” has an exact answer, and the engine computes it in closed form rather than searching for it.
Open a new account
Shows both directions: more available credit now, a younger average account age and a fresh inquiry for the next twelve months.
Close an account
The part people do not expect — the limit leaves your denominator immediately, so the same balances become a higher percentage.
A limit change
An increase lowers utilization without a payment. A decrease raises it without you borrowing anything.
Reporting timing
The most expensive misunderstanding in consumer credit gets its own scenario: what happens when the payment lands after the statement closes.
How it works
No black box. Every step is something you can check.
One change at a time
Every scenario clones your profile, applies exactly one well-defined change, and recomputes. Everything else is held constant and said to be held constant.
Computed effects and directional factors, kept apart
Utilization, balances, limits and ages are facts about the inputs. Everything else — “this pushes on recent activity” — is labelled as directional rather than dressed up as a calculation.
The optimizer decides where the money goes
A payment scenario allocates through the same optimizer the product uses, so the simulator and the optimizer can never disagree about the same dollars.
What it will not do
The boundaries are part of the product, not fine print.
It does not simulate a credit score, and it never will. Scoring models are proprietary and take inputs this product cannot see; a simulated score would be a fabricated number wearing the costume of a calculation.
It cannot tell you whether a lender will approve you, or at what rate or limit.
A new-account scenario assumes approval at the limit you entered — nobody can promise you that.
Interest estimates ignore grace periods, fees and promotional rates, and say so on every result.
Ask a what-if
Model the decision with your own accounts before you commit to it.