Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

A five-step plan to improve your credit score in 2026 - ‘Credit is like a muscle, you have to use it to have it,’ one expert ...

Another excellent habit to adopt is paying down your balance a few times per month. This helps your credit utilization (the percentage of your credit line you’re using). Credit utilization is the ...

If your limits are low, your credit scores are probably lower due to high utilization. To calculate utilization, most credit ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

High credit utilization means you're using many of your available credit lines. General rule of thumb says to keep your utilization under 30% (and even lower if you can). You can reduce your ...

As a personal finance journalist and a credit counselor, people often ask me for credit card advice. And I’m happy to give it! But I find myself sharing the same set of basic facts because they’re ...