Pro tip: I heard my coworker in Sacramento say he only uses 10% of his credit limit each month

Paige Perez · 2026-03-16T03:50:08.002915+00:00

He was telling someone he keeps his balance under $300 on a $3,000 card to help his score. I always just paid the bill in full, which is good, but I never thought about the percentage of the limit I was using. I looked it up and that's the 'utilization' part they always talk about. Has anyone else seen a real jump in their score by keeping that number low like that?

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Pro tip: I heard my coworker in Sacramento say he only uses 10% of his credit limit each month | Credit Advice - Thought Shares