What is the impact of micro-payments throughout the billing cycle on the credit utilization ratio reported to the three major bureaus by Chase and American Express?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the impact of micro-payments throughout the billing cycle on the credit utilization ratio reported to the three major bureaus by Chase and American Express?
3 real searches · 1 real-search pass
Chase credit card reports balance to credit bureaus statement closing date utilization payment multiple times monthlyGoogle ↗
OBSERVEDReason
American Express reports credit card balance to credit bureaus statement closing date utilization multiple paymentsGoogle ↗
OBSERVEDReason
Experian credit utilization reported balance statement closing date credit card issuer monthlyGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Chase credit card reports balance to credit bureaus statement closing date utilization payment multiple times monthly Google ↗
American Express reports credit card balance to credit bureaus statement closing date utilization multiple payments Google ↗
Experian credit utilization reported balance statement closing date credit card issuer monthly Google ↗
- Should You Pay Off Your Credit Card Early? · chase.com
- What is a Closing Date on a Credit Card? · chase.com
- Credit Bureau Reporting FAQs · americanexpress.com
- When Do Credit Card Payments Get Reported? · experian.com
- Does Credit Utilization Matter if You Pay in Full? · experian.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Chase credit card reports balance to credit bureaus statement closing date utilization payment multiple times monthly OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
American Express reports credit card balance to credit bureaus statement closing date utilization multiple payments OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Experian credit utilization reported balance statement closing date credit card issuer monthly OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |