this post was submitted on 25 Jul 2026
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Credit utilization /= carrying a balance. I put most purchases and payments on CCs, pay them off completely every month, and my credit utilization is typically something like 10% without paying a cent in interest, and I have an excellent credit score.
From years and years of first-hand experience, there may be a swing of a couple 10s of points when you get closer to that 30% utilization, but it has nothing to do with whether you are carrying a balance and paying interest. Further, that 20 or 30 points basically background noise when it comes to qualifying for new credit.
People get so fucking hung up on whether this or that will change your score by 15 points and how that signals some grand conspiracy. Open a line of credit or two, use it responsibly to demonstrate that you can manage access to that credit--pay on time and in full--it really is that simple.
I just find it interesting and convoluted, not trying to imply anything about any kind of conspiracy.