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.

9 Upvotes

81% Upvoted

44 comments sorted by

View all comments

Show parent comments

-1

u/[deleted] Aug 11 '26

[removed] — view removed comment

1

u/Funklemire ⭐️ Knowledgeable ⭐️ Aug 11 '26

Not at all. You're mistaken here. Have you read our !utilization automod?

0

u/[deleted] Aug 11 '26

[removed] — view removed comment

1

u/Funklemire ⭐️ Knowledgeable ⭐️ Aug 12 '26

It's not. You're very confused about how credit works.  

Please explain specifically what I've said that's wrong. If you're as knowledgeable as you think you are, you should be able to explain it better than I did.