Your credit limit and your available credit are NOT the same thing.
If you have a $10,000 limit and you're carrying a $7,000 balance, lenders don't just see that you have a $10K card.
They can also see you're using 70% of it. 😬
That’s why utilization matters.
Building credit isn't only about getting bigger limits. It’s also about how you manage the credit you already have. 💯
Who’s keeping a closer eye on their utilization? 👇
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