"money." start with an example. two credit cards. both have a $5,000 limit. card one, a $,0 2,000 balance, card two, no balance. using 20% of your credit limit there. what does that even mean for folks using up this percent, that percent and why do they care about that? >> have good question. fancy term called the credit utilization ratio. all that mean s is you have a certain amount of credit available. it's how much you're using of the credit. the less you yew, the more available, considered less risk pip more you use, maxing out a credit card. more risk your considered. keep that utilization low. >> and i think you know people are looking at which to cut up. as we're talking about the average person might say cut up card two. is that the right move? >> not necessarily. it's a good question. a lot of people are thinking about cutting up credit cards and getting rid of some of them because credit card company,