You actually want higher utilization… *IF* you are paying your statement balance in full monthly. The higher your statement balances when paying in full, the stronger your exhibition of responsible revolving credit use. That’s precisely the type of behavior that not only will aid in unsecuring your card, but can help stimulate a stronger unsecured limit when that time comes.
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Sure, but not in the way you may think it does…
You actually want higher utilization… *IF* you are paying your statement balance in full monthly. The higher your statement balances when paying in full, the stronger your exhibition of responsible revolving credit use. That’s precisely the type of behavior that not only will aid in unsecuring your card, but can help stimulate a stronger unsecured limit when that time comes.