02/04/2026
Keep your credit utilization below 30%! 💳
If you have a credit limit of $1,000, try to keep your balance under $300. Maxing out your cards—even if you pay them off every month—can actually hurt your score because of how the timing of "reporting dates" works.
Small changes = Big results. 📈
Call to Action: Tag a friend who needs to see this! 👇