Credit Tip of the Day: 30% Is Average. Not Elite.

A lot of adults think staying under 30% utilization is “good.”

And technically… it is.

But here’s the truth:

30% is average behavior.

If you want an 800+ score, you don’t aim for average.

Most high FICO achievers report under 6% utilization.

That means:

– If you have a $10,000 limit, you should report $600 or less.

– If you have a $5,000 limit, you should report $300 or less.

And ideally, you’re reporting low balances across all cards or just even one works

Important: this doesn’t mean you can’t use your cards.

It means you manage what reports.

Low reported balances = low utilization = stronger scoring behavior.

If your utilization is sitting at 20–30% consistently, that alone could be holding your score back.

Be honest — what’s your current utilization range?

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