Here is the difference π
β 30% utilization β Acceptable but not optimal
β
Under 10% utilization β This is where elite scores live
That one small gap can mean 20β50 extra points on your score.
Think about it this way:
If you have a $1,000 limit β keep your balance under $100.
If you have a $5,000 limit β keep your balance under $500.
Simple math. Massive results. π
Most people are leaving points on the table every single month without even knowing it.
Don't be most people.