Nov '25 β’ Credit Tips
Hiding Your Credit Card Utilization
Your credit utilization makes up 30% of your credit score so it's important to keep it low. If you can't afford to lower your utilization before your statement date ( the date when the balance actually reports to the credit bureaus) balance transfer the amount owed on a card with a later statement date then transfer it back after, so your utilization posts at 0
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Hiding Your Credit Card Utilization
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