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Sounds like an interesting concept, but there is more to it than a simple 30% rule, surely?
Sounds like an interesting concept, but there is more to it than a simple 30% rule, surely?
Yes, theres more to that than the 30% rule.
The goal is to optimize your utilization: - start with the 30% rule for daily management - spending: dont use AMEX until tomorrow - use Chase instead - bills: move AXA car insurance to Discover card to save $10/mo - due date: move utility bill from 7th to 10th to drop utilization 9% * avoid spending between due and statement date because that could "undo" your payment and artificially spike your utilization