Your credit utilization ratio is the amount of debt you have divided by your total credit limit. Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% ...

A perfect FICO credit score is 850, but experts tell CNBC Select you don't need to hit that target to qualify for the best credit cards, loans or interest rates. "If you're at 760, or 780 ...

If you want to improve your credit score, make your payments on time and in full and keep your credit utilization ratio (the ratio of credit used to credit extended) low.