Credit utilization affects your score more than you think – keep balances well below limits even if you pay in full.
Using more than 30% of available credit can hurt your score.
For best scores, stay below 10% on all cards.
Pay down balances before statements close if you’ve used a high percentage.
Consider requesting credit limit increases to lower your ratio.
Don’t close old cards unless they have fees – available credit helps your ratio.
Credit Utilization Ratio: 6 Solid Strategies to Improve Yours
