Your credit score, on autopilot.
Experts recommend keeping credit utilization under 10% — ideally around 5%. We automatically place a small recurring charge on your card so you never have to think about it again.
Simple as 1, 2, 3
Getting started takes less than two minutes. Then you're done — forever.
Pick a plan
Choose the monthly amount that fits your credit limit. $5, $10, or $15 — all designed to keep you in the 5% sweet spot.
Add your card
Securely enter your credit card. Your card is stored with bank-level encryption and charged automatically each month.
We handle the rest
Every month, a small charge posts to your card. Your utilization stays low, your score stays healthy. No monitoring required.
Why utilization matters
Credit utilization — the percentage of your available credit you're using — makes up 30% of your FICO score. It's one of the fastest-moving factors you can control.
Most experts agree: keeping utilization between 1–9% signals to lenders that you're a responsible borrower. Zero utilization can actually hurt your score. The 5% zone is the sweet spot.
Our service places a small, predictable charge on your card each month — so your utilization is always in the optimal range without you having to think about it.
Utilization Impact on Score
Lower is better — but not zero. The 1–9% range consistently produces the best scoring outcomes.
Simple, transparent pricing
Pick the plan that matches your credit limit. All plans include automatic monthly charges and easy cancellation.
Starter
- Automatic $5 monthly charge
- Ideal for credit limits up to $2,500
- Maintains ~5% utilization
- Cancel anytime
- Secure card storage
Standard
- Automatic $10 monthly charge
- Ideal for credit limits up to $10,000
- Maintains ~5% utilization
- Cancel anytime
- Secure card storage
- Priority support
Premium
- Automatic $15 monthly charge
- Ideal for credit limits above $10,000
- Maintains ~5% utilization
- Cancel anytime
- Secure card storage
Not sure which plan to pick? Choose based on your credit limit — multiply your limit by 5% to find your ideal charge amount.
Common questions
Does this actually improve my credit score?
Credit utilization accounts for 30% of your FICO score. Keeping it in the 1–9% range is widely recommended by credit experts. While we cannot guarantee specific score improvements, maintaining low utilization consistently is one of the most impactful things you can do for your score.
What happens to the money I pay each month?
The monthly charge is a service fee for maintaining your subscription and keeping a small balance on your card. It is not a loan, credit line, or investment — it is simply a recurring charge that posts to your card to maintain utilization.
Is my credit card information secure?
Yes. Card data is encrypted and stored using industry-standard security practices. We never store your full card number in plain text.
Can I cancel anytime?
Absolutely. You can cancel your subscription at any time from your account dashboard. There are no cancellation fees or long-term commitments.
Is this a credit repair service?
No. Credit Utilization is not a credit repair service, credit counseling service, or financial advisor. We simply automate a small recurring charge to help you maintain low credit utilization. For personalized financial advice, please consult a licensed professional.
Ready to set it and forget it?
Join thousands of people who've taken the guesswork out of credit utilization. Pick a plan and let us handle the rest.