Most people think credit is all about your score…
But utilization matters way more than people think.
You can have a 700+ score and STILL get denied if your cards look maxed out to banks.
Example:
$1,000 limit
$700 balance
= 70% utilization
That tells lenders you might be financially stressed.
The lower your utilization, the stronger your profile looks.
Ideal range:
1%–30%
BIG FUNDING
1%-9%
Banks don’t just approve scores…
They approve LOW RISK.