15 Ways To Be Credit Smart

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15. Keep your balances low

Don’t just try to remain within your credit limit, but also try not to use more than 30% of your existing credit at any point of time on individual accounts as well as collectively (even though you entirely pay your balances per month). This will in turn improve your credit score. You can achieve this by comparing your credit card balance and limit. Try to reach a credit score of 700(the minimum score that is considered as good), and once you accomplish it shoot for 740.