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🌟 Let’s chat about utilization thresholds – the key to maxing out your credit card rewards and boosting that score! 📊💳 Think of it like climbing stairs: each level represents a different utilization tier. 🏃‍♂️ Your goal? Keep it under 48% to dodge penalties and watch your score soar! 🚫 Whether you’re into the snowball effect or chasing points, there’s a method for you. 🏂🎯 Plus, did you know any card over 48% is a red flag? 🚩 Aim for 1-8% for that top-tier score! 🎯 Are you ready to make
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