Humphrey Yang
Region: US
Wednesday 16 July 2025 13:19:32 GMT
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Gary Lopez783 :
I use 98% of it 💀💀💀
2025-07-17 01:30:10
532
HolaMeLlamoLauren :
I try to keep my utilization rates low.
2025-08-30 02:33:35
1
Sober1kinobi :
The trick is to keep increasing your credit limit but DONT use it. My limit over all of my cards is 132k (which is absurd, but canceling cards also is bad for credit) I use 1 card and pay it off every month. It also means that I will never if I am smart use more then like 2%
2025-07-16 13:51:47
23
standstill :
but also if you DON'T use it at all, doesn't that also affect your credit?
2025-07-16 19:34:41
93
caseylm2010 :
This is my least favorite rule about credit scores
2025-07-17 01:10:01
2
Brady :
Does apply to secured credit cards as well?
2025-07-16 19:24:16
0
Coach Weez :
This is only if you don’t pay off on full every month. Which you should.
2025-07-17 16:13:41
3
travis johnson :
How long should you have a card before you request a higher limit I rarely go over 10% but never above 15%
2025-08-24 19:12:56
0
John :
What if I overpaid on my credit cards 🫤
2025-07-16 15:10:18
0
Marshall024 :
it's crazy, I barely use my credit card but they keep increasing my limit. I don't get it.
2025-07-18 03:47:15
0
⠀ ⠀ ⠀ ⠀ ⠀ ⠀ :
If I use 70% of my credit should I pay it all at once or do payments until it’s below 30%?
2025-07-22 23:28:13
0
Carly :
Wow, I had no idea about the 30% rule! Thanks for the tip, I'll definitely keep my credit utilization low from now on.
2025-07-16 13:25:55
151
E :
Can you talk about credit utilization of 0%? (I pay off my credit cards on a weekly basis, and therefore I never carry a balance).. I heard from another TikTok that this could negatively affect your credit also, or maybe it just doesn’t help it. ?
2025-07-17 14:15:31
16
💭🤭💬 :
Yeap
2025-07-24 00:12:14
0
Lynzi Alice :
Even if you pay it off in full every single month?
2025-07-27 18:18:16
1
Daniel :
You can use as much of your limit as you want , just pay it down before the statement date.
2025-07-16 13:45:52
29
ottorewardsapp :
Thank you!
2025-07-17 02:23:05
1
Naffer79 :
And pay them off in full every month
2025-07-16 13:41:09
3
Mister Oliver :
I have a question why do I have different credit scores between different credit bureaus
2025-07-28 23:24:28
0
andrew :) :
If you have multiple cards doesn’t it take into account all your cards limits
2025-07-17 01:35:32
0
David Amaya :
Well i use as much as i can afford and pay it off before the statement day ( this is the amount that’s reported to credit bureaus ) again pay it off before statement day cutoff
2025-08-03 21:56:49
0
Mr.J :
I try to keep it under 1500, if it's over I make a payment. I got my limit increased but still use the same amount and it helped raise my score.
2025-07-17 23:14:59
5
Randy Boy Wealth | Money Tips :
Credit card company secrets!! Thanks for exposing 🔥
2025-07-19 21:18:08
0
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