If you have a 500 dollar credit card limit, don't carry a balance of more than 150 dollars. It's not hard to understand. Credit ratio to debt ratio. FICO scores are pretty much our snap shots into how we pay and spend. Poor credit can be repaired if you work to repair your errors

My eldest has good credit. I hound him. Don't carry balances more than 30% of what you borrow. If you spend $300.00 of your $500.00 limit, pay at least $150.00 back when the bill comes by mail. I'm not certain he listens. Some people have to hurt themselves b4 they understand.