Have you ever checked your credit score right after making payments, only to find it hasn't changed? It only natural to ...

One factor they consider is your credit score, a three-digit number calculated by analyzing your financial actions — such as debt and payment history, the age of your accounts and your credit mix.

Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% of your total available credit. There are ways to keep your utilization low and improve your score.