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Over 80% kills your credit
Over 50% Lowers a lot your credit
Over 15% Lowers a bit your score.
Below 15% is perfect. I know from a very reliable source.
Also, you must take care of debt and income. As if you have below 10% on all your cards, and adding all the debt becomes 50% or closer of your total income, your credit goes down as well (I "love" how smart are the peps who invented this :lol: You are screwed almost always. I know several tricks... but I'm sure I'm failing in a lot of detail as well)
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