1d • General discussion
⭐ Daily Credit Gameplan: “The 30% Utilization Lie”
Most people think “just stay under 30% usage and you’re good.”Nah. That’s bare-minimum energy, not “I want a 750+ profile” energy.
Here’s the truth nobody tells you:
🔹 30% is the line between “not terrible” and “not impressive.”
Banks aren’t high-fiving you for being average.
🔹 The real sweet spot is 1–7%.
That’s where approvals get easier.That’s where limits start jumping.That’s where your score breathes again.
🔹 And if you’re over 50%…
Your score is screaming for help.But it’s fixable, and usually faster than you think.
⭐ Today’s Action Step
Drop your current utilization % in the comments.I’ll tell you:
- if you’re in a good zone,
- if you’re in the danger zone,
- or what exact move you should make next.
No judgment — we’re here to optimize, not embarrass.
📩 Need help lowering your utilization strategically?
DM me SCHOOL and I’ll map out the cleanest path for your profile.
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⭐ Daily Credit Gameplan: “The 30% Utilization Lie”
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