How to Ask Your Bank for a Credit Limit Increase (Without Hurting Your Score)
What if you could cut your credit utilization ratio in half without paying a single extra dollar toward …
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Does Your Business Credit Card’s Utilization Impact Your Personal Credit?
Many small business owners operate under a dangerous assumption: that their business credit card is completely separate from …
Credit Utilization and Credit Card Rewards: How to Maximize Points Without Hurting Your Score
You’re ready to earn big: you’ve got a new rewards card and a plan to hit that welcome …
Secured Credit Card Utilization: The Critical Rules for a $500 Limit
A secured credit card is one of the best tools for building or rebuilding your credit. But there’s …
The ‘Sleeping’ Card Utilization Strategy: Your Secret Weapon for a Higher Credit Score
Do you have an old credit card tucked away in a drawer that you haven’t used in years? …
FICO Score vs. VantageScore Utilization: Which Model Penalizes High Utilization More?
Did you know your bank might use VantageScore to pre-approve you for a card, while your mortgage lender …
The Authorized User Utilization Loophole: How to Avoid a Score Drop on Joint Accounts
Did a parent or partner add you as an authorized user to help build your credit history? This …
The Magic of Zero: When to Aim for 0% vs. 1% Credit Utilization for a Max Score
What if we told you that having a 1% credit utilization rate could be better for your credit score than …
How to Lower Credit Utilization Fast: 6 Proven Strategies
Did you know that your hard-earned credit score can be dragged down by a single, misunderstood number? You …