14d • General discussion
Most people don’t know this… 👇
You can raise your credit score 20–50+ points just by lowering your credit utilization.
💡 Simple rule:
Keep your credit card usage under 30% (ideally under 10%)
Example:
If your limit is $1,000 → don’t go over $300
Banks don’t reward you for maxing out cards—they reward discipline.
If you want me to show you how to structure your accounts the right way to hit 700+ faster, comment ‘RISE’
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Most people don’t know this… 👇
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