How To Maximize My Credit Score
When it comes to your credit score, how you manage credit cards matters more than many people realize. Revolving lines of credit—like credit cards—carry more weight in scoring models than mortgages or installment loans because they reflect your day-to-day financial habits.
Keeping balances low is key. As a general rule, using less than 30% of your available credit helps protect your score, and staying under 10% puts you in the strongest position. Even short-term spikes above that range can cause noticeable drops.
Both secured and unsecured credit cards are factored into your credit profile the same way, meaning responsible use on either type can strengthen your credit over time. Smart card management isn’t about avoiding credit—it’s about using it strategically to keep your options open when it matters most.
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Peter & Vicky Royster
The Move Live Love TX Team - REALTOR®s - CLHMS, ALHS, ARB, PSA,
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