Utilization means using something in an effective or efficient way. It refers to the act of making the most out of a resource, such as time, money, or equipment, to achieve a desired result or benefit. Full definition
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Experts recommend keeping a credit utilization ratio of less than 30 % to ensure a healthy credit rating. (selflender.com)
Lenders want to see a credit utilization ratio of 30 % or less — so that $ 2,000 balance, while seeming like a reasonable amount, could actually hurt your credit score. (effectify.com)
Always paying bills by the due date, keeping credit utilization rates low, and avoiding opening unnecessary credit accounts are all good ways to maintain a «good» or better credit rating. (badcredit.org)