Keep Your Credit Utilization Low

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Full transcript

Your utilization percentage changes every time your balance or credit limit changes — so review it monthly. Add up all your revolving balances, then add all your credit limits. Divide total balances by total limits to get your overall utilization rate. Also check each card separately — one nearly maxed-out account still deserves attention. The 30-percent guideline is not a magic threshold — lower is generally better. Instead of hovering just under a limit, create as much distance from it as your budget allows.

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