Here's a funding preparation detail that deserves more attention. Two people each have $20,000 in total credit card limits. Person A: $16,000 balance — 80% utilization Person B: $1,000 balance — 5% utilization Same total limits. Very different credit utilization profiles. Before applying for funding, reducing revolving balances may help strengthen your position. And remember, overall utilization isn't the only number that matters. Individual card utilization matters too. The goal isn't simply to have credit available. It's to manage it strategically. Quick check: Where's your current overall utilization? A — Under 10% B — 10–29% C — 30–49% D — 50% or higher 👇 Drop your letter below.