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May 24, 2023 — Is it true you should keep your credit usage at 30% or below? Learn how it impacts your credit score, how much to use, and other ways to *&It depends, did your credit card statement get created with the higher balance showing if it did then yes there will be an impact to your credit sore.See more&Most financial experts agree that keeping utilization below 30% is best or even "Dont use more then 30% of your credit limit."See more