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,