I have a couple of credit cards that are usually maxed to their limits. Is this hurting my credit scores?
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Yes! You should always keep your balances at least 50% below the limit. If at all possible, try even lower than 35% below the limit. Having credit cards can improve your credit scores?if you do not abuse them and if you have no more than one to three. Of course, making your payments on time will also help increase your scores.