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![scottstocksman Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1928107551456935936.png) Scotts Stocks [@scottstocksman](/creator/twitter/scottstocksman) on x XXX followers
Created: 2025-07-26 05:00:11 UTC

Too many people don’t understand credit card utilization:

Most experts recommend staying under XX% utilization, and under XX% is even better.

For example: if you have $10K available credit, keep your balance below $1K.
Both per-card and overall utilization matter


XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948971587061121536/c:line.svg)

**Related Topics**
[10k](/topic/10k)
[$1k](/topic/$1k)
[$10k](/topic/$10k)
[if you](/topic/if-you)
[credit cards](/topic/credit-cards)
[stocks](/topic/stocks)

[Post Link](https://x.com/scottstocksman/status/1948971587061121536)