Credit utilization is a fancy name for how much of your available credit you've used. It's one criterion used by the three major credit bureaus to calculate your credit score. Why do they care?

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

While 740 and around that is a solid score indicative of good credit habits, you're perfectly positioned to make it climb ...

Credit limits are one of the quiet levers that shape your financial life, influencing everything from your credit score to ...

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Learn what credit card debt is, its impact on your credit score, and strategies to manage it effectively. Improve financial decisions with our expert insights.

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Over 67% of college undergraduate students have a credit card in their own name, and a little over 9% have access to a credit card as an authorized user, according to a mid-September survey from U.S.