Credit Utilization✨

Your credit utilization is simply how much of your available credit you use, expressed as a percentage. This number plays a big factor in your credit score — the less available credit you use, the better it is for your score.
Paying your balances on time and in full every month is the best way to keep your score intact or build it. However, exceeding a 30% credit utilization ratio at any point in a billing cycle on any one of your cards could do damage.

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