Credit Secrets Experts Wish You Knew Today
October 28, 2025
Credit Utilization: Balancing Debt and Credit Limits
Credit utilization, the ratio of your credit card balances to your credit limits, is the second most important factor, contributing 30% to your credit score2. Experts recommend keeping your credit utilization below 30% to avoid negatively impacting your score. If you're nearing this threshold, consider paying off some debt or requesting a credit limit increase.