"Utilization matters more than you think!" Keep your credit card usage under 30% of your total limit—ideally closer to 10%—to maximize your credit score. This shows lenders you're responsible and not over-reliant on credit. ➡️ Example: If your credit limit is $1,000, try to keep your balance under $100. 🧠 Why it matters: Credit utilization makes up 30% of your FICO score. It’s one of the quickest ways to improve your score! 👇 Drop a ✅ if you’re keeping your utilization in check—or ask a question if you're not sure how to calculate it!