@mortgagedadof3: Not rocket science… ⬇️How to⬇️ Did you know that your credit card utilization ratio plays a crucial role in determining yourscore? Keep it below 30% to maintain a healthy credit profile. To get the biggest bang for lowering your credit balance and increasing your score…use this hack: ✅Find the statement date on your credit card bill. ✅Make payment to credit company that will post 1-2 days prior to statement date to be safe. ✅Don’t use your credit card until 1-2 days after your statement date. ✅Make the minimum payment on due date. ✅Rinse… Repeat ✅Stop using credit card until you can comfortably keep your balance at statement date 10-30% of your available balance. Follow @mortgagedadof3 for more financial and homebuying tips #ficos#ficoscoreitcarddebt #mortgage #financialeducation #loandad3