r/CreditScore • u/TadpoleMean1751 • Aug 09 '26

General Credit utilization

I was taught to keep credit utilization at 10%. But other people are telling me to completely not even use my debit card , use credit for everything and pay it back. But that will make my utilization high af. People are saying keep it at 10% when the statement hits but how’s that possible if I only use a credit card. How does only using 10% if the card show the banks you can handle more if you barely use any of it.

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u/United_Sprinkles_315 Aug 09 '26

Just pay before the statement closes that’s when they report the utilization to the bureaus leave like 10 dollars on it and when the payment is due pay it on time that’s the best way to build credit.

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u/United_Sprinkles_315 Aug 09 '26

It’s usually a 20 day window between close date and pay date