A high credit score unlocks a bunch of benefits. You can get a lower interest rate on any loan and qualify for better ...

Keeping your utilization ratio low is ideal, but you may not want to bring it all the way to zero — and those with excellent credit usually don’t.

Believing these common credit card myths could drag down your score. Learn the truth and build your credit the smart way.

Per-card utilization is the utilization ratio for each of your cards. For example, if you have a credit card with a $1,000 limit and a $800 balance, your per-card utilization would be 80%.

So, if you're trying to reduce your credit utilization ratio, it could make sense to consider these or other options — especially if you're struggling to pay off what you owe.

Credit utilization is key. Credit utilization, or the percentage of available credit you’re using, accounts for about a third of your credit score.The ratio provides lenders insight into how you ...

Credit cards can be helpful if used wisely, but common mistakes—like paying only the minimum, missing due dates, overspending ...

You want your credit utilization ratio to be low -- ideally, 10% or lower.That's a sign that you're not borrowing too much money, and it will also help you achieve an excellent credit score.