Only one in four Americans has a credit score above 800, which is considered exceptional, according to industry data.

If your limits are low, your credit scores are probably lower due to high utilization. To calculate utilization, most credit scoring models compare your credit card balances to their credit limits as ...

Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

President Donald Trump called for a 10% cap on credit card interest rates. Here's what experts say that could mean for ...

This article discusses how debit and credit cards work, including their pros and cons. It ends with some helpful tips and ...