Post by @florencebowie

Your credit score is secretly punishing you. Nobody tells you this but paying your credit card on time isn't enough. If you're using more than 30% of your limit, your score takes a hit — even if you pay it off every single month. I'm talking about your balance the day your statement closes, not just what you owe overall. So if your limit's $1,000, try to keep your balance under $300 before that statement date. This one tweak can bump your score without you spending a single extra dollar. Comment ‘Personal finance’ for more videos like this. #PersonalFinance #creditscore #moneytalk