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Lowering your credit utilization is all about managing those balances wisely. Remember, each credit card has both a due date and a statement date. Your statement date is the crucial factor that determines your utilization rate. Here's the game plan: Make sure your balances are paid off or kept under 10% of your credit limit by your statement date for every card. That's the balance that gets reported as your utilization, so keeping it low is the secret sauce to improving your credit score. 📊 Sta
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