Pawn

Credit Fundamentals

Utilization Math

Hit the 9% sweet spot lenders quietly reward.

Lesson 4 of 5 ~45 min

Utilization = balance ÷ limit. The bureaus calculate it per card AND in aggregate. Both matter.

Sub-9% on every card scores higher than 10% on average. Avoid maxing one card even if your total is low.

Pay before the statement closes, not before the due date — that's when the bureau snapshots your balance.