Though paying your bills on time is one of the best ways to build a good credit score, it's not the only important factor. How much you owe compared with your credit limits -- your credit utilization ...

Credit utilization is a fancy name for how much of your available credit you've used. It's one criterion used by the three major credit bureaus to calculate your credit score. Why do they care?

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

Credit limits are one of the quiet levers that shape your financial life, influencing everything from your credit score to ...

Charging $10,000+ to a credit card can trigger fraud checks, raise utilization, and rack up interest. Here's what happens, ...

Discover what a zero balance card is and learn how it can benefit your credit score by reducing debt and managing your credit ...

Credit utilization is calculated by dividing the balance by credit limit for each card and for all cards together. Many, or all, of the products featured on this page are from our advertising partners ...