Here is the difference ๐
โ 30% utilization โ Acceptable but not optimal
โ
Under 10% utilization โ This is where elite scores live
That one small gap can mean 20โ50 extra points on your score.
Think about it this way:
If you have a $1,000 limit โ keep your balance under $100.
If you have a $5,000 limit โ keep your balance under $500.
Simple math. Massive results. ๐
Most people are leaving points on the table every single month without even knowing it.
Don't be most people.