{"product_id":"credit-card-utilization","title":"Credit Card Utilization","description":"\u003cp\u003eCredit card utilization measures the percentage of your available credit limit that you are currently using, and it dictates a massive 30% of your total FICO® score. While keeping utilization below 30% is a common baseline rule, top-tier credit scorers typically aim for an ideal target of under 10% without hitting a stagnant 0%. Because this metric has no permanent memory in credit models, you can rapidly boost your score by paying balances before your statement closing date, requesting a credit limit increase, or spreading expenses across multiple cards.\u003c\/p\u003e","brand":"JDJ Ventures","offers":[{"title":"Default Title","offer_id":49732017389807,"sku":null,"price":8.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0818\/4499\/4287\/files\/fe0627d8-4b51-4886-a1d5-03583d63149e_370AA3C4-DCFA-44A0-9E2F-E0EFB2E89059.jpg?v=1781127136","url":"https:\/\/jdjventures.co\/products\/credit-card-utilization","provider":"JDJ Ventures","version":"1.0","type":"link"}