06/17/2026
How much of your available credit you use says more about you to lenders than most people realize. 🚨
💡 High balances flag stress. Per card balance matters even when your total looks fine. Balances report on your statement date — not after you pay. Keep each card under 30% to stay clean.
🔑 Utilization is one of the fastest things you can fix in your credit profile — if you know the rules.
💬 Did you know your balance reports on the statement date, not the due date? YES or NO 👇
Comment "CREDIT" and we'll send you the free guide.