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What’s the best credit usage percentage?

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The best credit usage percentage for boosting your credit score is 'as low as you can possibly go'. While it’s important to show that you can use your credit responsibly, keeping your usage percentage as low as possible is both good for your credit score and good for your financial well-being. Beyond just your credit score benefiting, it also keeps the amount of interest you pay out to a minimum. We suggest not rising above 30%.