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If your credit limit gets lowered, you’re going to want to do everything possible to protect your score. Here’s why it matters: When your limit drops, your utilization (the amount of credit you’re using) goes up — even if your balance stays the same. That one change can cause your score to fall overnight. But don’t stress. Here’s what to do next: Pay down your balances. Try to keep your utilization under 30%, ideally under 10%. The lower, the better. Ask for a limit increase. If you’ve been payi
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