🔍 Credit Tip of the Day: Your Utilization Isn’t One Number

Zach Sodano

5d • General discussion

🔍 Credit Tip of the Day: Your Utilization Isn’t One Number — It’s THREE

Most people look at their credit profile and think,“Okay cool, my utilization is under 30%. I’m good.”

Nah. That’s rookie-mindset.

The bureaus actually grade three different utilization buckets, and if even one of them is off… your score takes a hit.

1️⃣ Total Utilization (your whole profile)

This is the one everyone knows. Keep it under 10% if you want your score to actually move.

2️⃣ Per-Card Utilization (each card individually)

A single card at 70% can drag your whole profile even if your other card is at 0%.Too many people ignore this and wonder why their score isn’t budging.

3️⃣ Your Highest-Used Card (your “problem child”)

The bureaus weigh this more heavily than people realize.If one card is constantly overloaded, it signals “risk.”Even if everything else is light, that one maxed-out card is enough to tank momentum.

Real-world takeaway:

If you want the fastest score growth, don’t just aim for 30%.Dial in:

<10% TOTAL
<10–20% per card
Never let one card consistently carry the whole load

This is why some people “pay their cards” and still don’t see progress — they’re only fixing one piece of the puzzle, not all three.

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