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Guides

Credit Scores

Utilization, payment history, inquiries, and the card behavior that shapes lending outcomes.

4 guides

7 min readStatement Balance vs Current Balance: How to Read Your Credit Card BillSeparate your statement balance, current balance and minimum payment, then build a simple check before scheduling a credit card payment. 6 min read · FreeHow Many Credit Cards Is Too Many? A Simple Setup GuideThere is no official limit. See how card count touches your credit, how many cards suit a simple setup, and how to trim extras without hurting your score. 7 min read · FreeShould You Close an Old Credit Card? Keep vs Close GuideClosing a card can raise utilization and affect your history. Use this checklist to decide, plus alternatives like downgrading before you cancel. 6 min read · FreeWhat Is Credit Utilization and How Is It Calculated?Credit utilization is the share of your credit limit in use. See how it is calculated, why the statement date matters, and ways to lower it.

Credit scores respond to a few behaviors, mainly utilization, payment history, the age of your accounts and new applications, and credit cards touch every one of them. This category is small for now, with three guides, and focuses on the card habits that influence borrowing outcomes rather than on score myths or quick fixes. It suits anyone deciding how many cards to hold or whether to close one.

Where to start

To put utilization into practice, see the tools page.