 TITLE: How Much Credit Should I Use? CONTENT: How Does Credit Utilization Affect Your Credit Score?\n-----------------------------------------------------\nUtilization plays a big role in determining your credit score: FICO® says it's responsible for about 30% of your FICO® Score, second only to payment history. High utilization can signal overborrowing, lack of borrowing capacity and potential difficulty making payments. Credit scoring systems may reflect that by lowering scores.\nA low utilization, on the other hand, can show that you're managing your credit cards responsibly. Whether you have one credit card or many, maintaining low utilization with each card and overall is typically rewarded by the credit scoring models. END