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2. Everything you need to know about credit utilization ratio - AOL

   www.aol.com/finance/everything-know-credit...

   For example, if you have an overall credit utilization of 20 percent with five cards, but you’re at a utilization ratio of 95 percent on one card, it will still negatively impact your credit score.

3. How to cancel a credit card without hurting your credit score

   www.aol.com/finance/cancel-credit-card-without...

   Canceling a credit card delivers a hit to your credit score, but you can minimize the damage. Here’s how. ... Your credit utilization ratio is 20 percent (1000 / 5,000 = 0.2), which is pretty good.

4. What is credit card churning? - AOL

   www.aol.com/finance/credit-card-churning...

   Credit card churning is the process of frequently opening and closing credit cards in order to earn sign-up bonuses and maximize rewards. ... mostly if it causes your credit utilization ratio to ...

5. Is it better to pay off your credit card or keep a balance? - AOL

   www.aol.com/finance/better-pay-off-credit-card...

   First and foremost, carrying a balance will affect your credit utilization ratio, which makes up 30% of your credit score calculation. This applies even if you’re carrying a balance on a 0 ...

6. Credit score in the United States - Wikipedia

   en.wikipedia.org/wiki/Credit_score_in_the_United...

   Getting a higher credit limit can help a credit score. The higher the credit limit on the credit card, the lower the utilization ratio average for all of a borrower's credit card accounts. The utilization ratio is the amount owed divided by the amount extended by the creditor and the lower it is the better a FICO rating, in general.

7. How Many Credit Cards Is Too Many? Here’s How to Find Out - AOL

   www.aol.com/many-credit-cards-too-many-170029970...

   Your credit utilization ratio is 50%. If you get a second credit card with a $4,000 credit limit but continue to only spend about $2,000 between the two cards, your credit utilization ratio drops ...

8. 23 cities where credit card balances are double the national ...

   www.aol.com/23-cities-where-credit-card...

   The average utilization ratio among the high-balance cities was 20%, meaning that, for example, someone may have a balance of $13,400, but they've been extended more than $65,000 in total credit ...

9. How many credit cards is too many? - AOL

   www.aol.com/finance/many-credit-cards-too-many...

   If you typically spend $1,000 between the two credit cards monthly, your credit utilization is 10 percent (1,000 / 10,000 = 0.10). If you get a new card with a $2,000 limit and continue spending ...