Utilización de crédito: el factor que más controlas

Mastering Credit Utilization

Credit utilization is the ratio of your credit card balances to your credit limits. It's the second most important factor in your score — and the one you can change fastest.

The Math

Per-card utilization: Balance ÷ Limit Overall utilization: Total balances ÷ Total limits

Optimal Utilization Ranges

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Quick Wins for Business Owners

Pay before statement date — Your balance on the statement date is what gets reported

Request limit increases — Call your card companies; many will increase without a hard pull

Spread balances — Better to have 10% on three cards than 30% on one

Use business expenses strategically — Put large purchases on cards with high limits

Set up balance alerts — Get notified when approaching 10% utilization

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