You should aim to keep
your CREDIT UTILIZATION RATIO BELOW 30%,
and for the BEST SCORES, BELOW 10%.
So, if your total credit limit is $10,000,
keep your balances below $3,000.
https://www.experian.com/blogs/ask-experian/credit-education/score-basics/credit-utilization-rate/
한도액이 100이면 30까지만 사용해야 함.
70 을 넘게 자주 사용하면 계속 내려감.
체이스 한도가 17000불이면 $17,000 X 30% = $5,100 까지만 사용해야 함
https://www.experian.com/blogs/ask-experian/why-did-my-credit-score-drop/
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