Nearly 40% of cardholders in the U.S. have maxed out a credit card or come close to doing so, according to Bankrate's October credit utilization survey. But carrying that balance from month to month ...

If you only pay your credit card bills on your due date, then your credit score may not be as high as it should be. Your credit utilization ratio is determined before your payment due date. Making ...

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

One important factor that can have a big impact on your credit score is credit utilization. You can preserve a good credit ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...