🎯 Optimal Credit Utilization

Credit Cards & Lines of Credit Only

The Optimal Range: 2-9%

This shows banks you can responsibly manage and repay your available credit.

Why Not 30%?

Think of 30% utilization like having Cs on your transcript—while it can get you some approvals, the outcomes won't be as favorable.

What Counts:

• ✅ Credit cards
• ✅ Lines of credit
• ❌ NOT mortgages
• ❌ NOT auto loans
• ❌ NOT student loans
• ❌ NOT personal loans

Only revolving credit matters for utilization.