Using more than 30% of your credit limit can hurt your score. Lenders see high utilization as a sign of risk, even if you are making your payments on time.
Your balance compared to your limit plays a major role in how your credit is evaluated. The higher it is, the more it can work against you.
Hereβs what to keep in mind π
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Keep utilization below 30% for a healthier profile
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Lower balances can improve your score quickly
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Timing your payments helps control reported balances
β‘οΈ Learn how to manage your utilization and keep your score working in your favor.
β‘οΈ Ready to level up?