Is it true that leaving 30% of your limit on a credit card increase your credit score?

Question

i always kind of max out my credit cards but i pay them regularly and none of my accounts are delinquent. i have not noticed any change in my credit score within the last 6 months. why do you think that is? i need help.

Answer 1

You want to use no more than 30% of your credit limit. That means that 70% would be left (unused).  Having used 30% or less of your available credit is good for your credit score.

Answer 2

Thats bad to keep that much dept on your credit cards. It can positively affect it though as it lowers the "potential" debt scoring.