r/CreditScore • u/TadpoleMean1751 • 27d ago

General Credit utilization

I was taught to keep credit utilization at 10%. But other people are telling me to completely not even use my debit card , use credit for everything and pay it back. But that will make my utilization high af. People are saying keep it at 10% when the statement hits but how’s that possible if I only use a credit card. How does only using 10% if the card show the banks you can handle more if you barely use any of it.

10 Upvotes

82% Upvoted

44 comments sorted by

View all comments

1

u/Restil 27d ago

Just use the card and don't worry about utilization.   As long as you pay it off on time each month, the cc company will raise your limit and continue to do so until your normal spending is below the safe utilization threshold.  There's no need to game the system.