Credit utilization

Credit utilization — outstanding card balances as a share of total limits. Alongside payment history it tops every scoring model, US or PH: high utilization reads as stretched, regardless of income. The working rule from lesson 3.2’s playbook: keep it under ~30% of the limit and pay in full monthly — the cheapest possible signal of creditworthiness, running quietly for the two years the bankability file needs to season.

First used in: 3.2 · The PH credit machine