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Credit card utilization % vs. balance on monthly statements. Which affects credit score?
I use my credit card for virtually everything and pay the balance in full every month on time. My statements always reflect a $0 balance. It is not unusual for me to utilize as much as 80% of my available credit in any given month. Is this hurting my credit score? I didn't think the utilization % mattered unless I was a carrying a high balance.

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