Is it true that if you leave less than %30 of your credit limit on your credit cards that your fico score will go down compared to above %30? Yes, but that isn't the entire story. The higher the credit usage percentage for both overall and individual accounts, the lower your FICO score. 70% usage is one level. It isn't the only level. As usage increases from 10% to 20% to 50% and beyond, your credit score decreases. The best goal is to not carry credit card debt. Pay it off each billing period, and you don't have to worry. If you apply for a mortgage or major credit, switch to paying the balance before it is billed.
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