But what would happen if you have 0% utilization rate? To the credit card issuers, it may not look as good as you think. "For credit cards, it's important to 'use but not abuse' those cards," Jim ...

Your credit utilization ratio is the amount of debt you have divided by your total credit limit. Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% ...

As the holiday season approaches, many Americans are contemplating opening new credit cards to boost their spending power.