A simple decision that can quietly push up your utilisation ratio, shorten your credit history, and shave points off your ...

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Tides of Torment revived my interest in a moist faction. When you purchase through links on our site, we may earn an affiliate commission. Here’s how it works. Every character is somebody's favorite.

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Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.