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May 10, 2023 — Paying in full doesnt guarantee youll have a low credit utilization ratio, and a high utilization ratio could hurt your credit scores.#May 24, 2023 — Is it true you should keep your credit usage at 30% or below? Learn how it impacts your credit score, how much to use, and other ways to *&You can ignore the so-called “30% rule”, it has no effect on your future score. It only affects current month and is forgotten next month.