A $10 latte cost me 50 credit points last year. Not because I couldn't afford it - because it pushed my Chase card from 29% to 31% utilization.
That's when I learned: Your balance won't hurt your credit score. Your utilization will.
The problem isn't the rule (everyone knows 30%), it's tracking it. With multiple cards, changing balances, and daily spending, you're basically guessing which card is "safe."
So I built Cretit - daily traffic lights for every credit card:
Green = safe to use
Yellow = be careful
Red = will hurt your score
Green = safe to use Yellow = be careful Red = will hurt your score
Hope you guys like this one more than HumanAlarm