Most people will tell you to keep your utilization at 30%. Not me. You should actually keep it at 0% but actually use 100% of your credit. How can you do this? You see, if you use 100% of your credit limit and pay it off every month, you demonstrate you are a good credit card user and the issuer will quickly increase your score. Keeping your utilization at 100% will indeed make you score lower but there is a way to get around this by paying the full 100% right before the statement date. Using this method, I and many other are able to quickly increase the limit very quickly.
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