A $10 latte cost me 50 credit points last year. Not because I couldn't afford it - because it pushed my Chase card from 29% to 31% utilization. That's when I learned: Your balance won't hurt your credit score. Your utilization will. The problem isn't the rule (everyone knows 30%), it's tracking it. With multiple cards, changing balances, and daily spending, you're basically guessing which card is "safe." So I built Cretit - daily traffic lights for every credit card:

Green = safe to use Yellow = be careful Red = will hurt your score

Hope you guys like this one more than HumanAlarm

> Your balance won't hurt your credit score.

This implies "carrying a balance". Which, if true, is far worse than a 50 point credit score loss, because the interest on credit card balances usually is just shy of being high enough to be defined as Usury.

Credit cards are best used when one pays the balance in full every month, so that no interest charges accrue.

Clicking your link in Safari results in a download, not a page load.

Sounds like an interesting concept, but there is more to it than a simple 30% rule, surely?

Why is this asking me to download something when I click the link on mobile?