If you have a Chase card or are thinking about getting one, you probably want to know how to use it without hurting your credit score. The good news is that a few simple habits can keep your balance low, your score high, and your rewards flowing.
20% credit card rule. Aim to keep your balance at or below 20 % of your credit limit. If you have a £5,000 limit, try not to let the balance go above £1,000. Staying under this line shows lenders you’re not over‑relying on credit and helps your score.
2‑3‑4 rule. When you apply for multiple cards, space them out: two cards in the first year, three in the second, and four in the third. This pattern avoids too many hard inquiries at once and gives you time to prove you can handle each card responsibly.
Pay the full amount each month. Interest on Chase cards can be high. Paying the total due avoids fees and keeps more money in your pocket for the things you actually want.
Chase offers several cards, from cash‑back to travel rewards. Start by asking what you value most. If you spend a lot on groceries and gas, a cash‑back card that offers 3 % in those categories may be best. If you travel often, a card with airline miles and no foreign transaction fees pays off.
Check the annual fee. Some premium cards charge £150 or more but give you lounge access and higher earn rates. If you don’t travel enough to use those perks, a fee‑free card is smarter.
Look at the intro APR or 0 % purchase period. A 12‑month intro can help you pay off big purchases without interest, but only if you clear the balance before the period ends.
Finally, read the fine print on rewards. Some cards cap the amount you can earn each month or require you to spend a certain amount before bonuses kick in. Make sure the requirements match your normal spending habits.Putting these rules into practice doesn’t have to be complicated. Set up automatic payments for the minimum due, then add a reminder to pay the full balance each month. Use a budgeting app to track how much of your limit you’re using and keep it under 20 %.
By following the 20 % rule, respecting the 2‑3‑4 application rhythm, and picking a card that fits your lifestyle, you’ll get the most out of any Chase credit card while protecting your credit score. Ready to make your next move? Grab your statement, check your current utilization, and plan the next payment – it’s that easy.
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