The 30% Rule is a Myth (Sort of)\n\nWhile keeping utilization below 30% is good advice, the lower the better. Scores often see the biggest boost when utilization is under 10%.\n\n## Strategies\n- Pay multiple times a month: Make payments before your statement closing date to report a lower balance to the bureaus.\n- Request a credit limit increase: A higher limit will instantly lower your utilization ratio, assuming your balance stays the same.\n- Use a charge card: Since charge cards often don't have a preset spending limit, they might not factor into utilization calculations in the same way.