Pay What You Owe, Don’t Owe What You Pay

History and Usage

Strong credit history starts with smart usage. On-time payments and low utilization are key components to building and maintaining excellent credit. Understanding these fundamentals helps you take the right steps in sustaining financial success through responsible credit card usage. On-time payments make up 35% of your credit score, making them the most influential factor, while keeping credit utilization below 30%-ideally under 10%-helps to maintain a strong score. Mastering these two factors will help to form a positive foundation to stronger credit and financial stability.