Utilization is one of the fastest-moving parts of your score. Small changes can make a noticeable difference. What utilization means It’s the percentage of your available revolving credit you’re using. Lower is generally better. Fast ways to improve utilization • Pay balances down before the statement date • Make multiple payments per month • Avoid maxing out any single card • Ask for a credit limit increase (when appropriate) • Move balances strategically (when it makes sens