Utilizing your credit cards properly also plays a significant factor in determining your credit score. Your credit utilization ratio compares your credit card debt to your available credit.
For example, carrying a ratio of 70 percent means that you have a greater risk of not paying off your debt.
While you want to keep your credit utilization ratio under 30 percent, zero percent utilization could hurt your credit score. Most financial experts recommend you keep a ratio of 10 percent to 30 percent.