9min chapter

Earn Your Leisure cover image

Study Hall: Credit Cards & Credit Utilization: What You Need to Know | Shonda Martin

Earn Your Leisure

CHAPTER

Understanding Credit Utilization and Its Impact on Credit Scores

This chapter explores the crucial role of credit card utilization in influencing credit scores, highlighting factors such as utilization ratios and number of accounts with balances. The discussion underscores the importance of keeping utilization rates low and the potential impact of student loans on credit profiles.

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