If you’re a parent or thinking of becoming one, teaching your children about credit card usage will help ensure that they are better equipped to manage their relationship with credit.

If you avoid using more than 30% of the credit limit on any one card, the overall usage takes care of itself. Credit utilization is one of the top factors used to calculate your credit score ...

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 nonprofit working to ensure that every high school student gets a full semester of personal finance education—including lessons in proper credit card usage—before... Editorial Note ...