Two people can show 20% utilization and have very different card profiles.

Here is a fictional teaching example, not a member result. Card A reports $1,200 against a $2,000 limit. Card B reports $800 against an $8,000 limit. Together: $2,000 ÷ $10,000 = 20%. But Card A is at 60%, while Card B is at 10%.

The insight: the combined number can hide…

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