You’ve probably heard “keep your credit card usage under 30%”, but that’s just the surface. Here’s what most people miss: Lenders don’t just look at your total utilization. They zoom in on each individual card. You could be under 30% overall… But if even one card is maxed out? Your profile still throws up red flags. Here’s how to avoid the trap: ✅ Keep each card under 10% if you can ✅ Track your statement date (that’s what reports to the bureaus — not your due date) ✅ Ask for a CLI (credit limit increase) to lower your utilization instantly ✅ Don’t let big balances report — even if you plan to pay in full 🎯 While you’re fixing utilization, don’t forget the other red flags lenders hate — like excessive inquiries. Check out this recent inquiry deletion win from our team all within the last 48 hours... Just a sneak peak, but we have more receipts! 👀 🔥 Want help optimizing your file the smart way? Join the Inner Circle and get full support + done-for-you clean-up!