GUIDE深度 · Deep dive
Utilization and Credit Scores
Utilization is a heavily weighted scoring factor, usually measured overall and per card. It has no long history and updates monthly, so short-term optimization can show up quickly.
Two views
Total utilization: all balances divided by all limits.
Per-card utilization: one card's balance divided by its limit.
Reporting timing
Most issuers report around the statement date, not the due date.
Pay before the statement so the reported balance is lower.
FAQ
Is 0 percent best?
Not necessarily; some usage paid on time usually builds credit better.
Does a credit limit increase help?
It lowers utilization, but do not increase spending because of it.