Credit utilization is the percentage of your available revolving credit that you’re currently using - and it can have an important impact on your credit score.

Lower is generally better. Aim to keep your utilization below 30% - and ideally below 10%. Paying before your statement closes, keeping reported balances low, and potentially increasing your available credit without increasing spending can all help manage your utilization.

Have questions about credit? Ask Valory to learn more.

Lord Chris Holmes is one of Britain’s most accomplished Paralympic swimmers, whose story is defined by determination, adaptability, and a refusal to let others’ expectations determine what was possible. At age 14, he unexpectedly lost his sight almost overnight due to a rare genetic condition. Within months, he returned to swimming and went on to achieve extraordinary success - winning 15 Paralympic medals, including nine golds, and breaking 35 world records.

His achievements didn’t stop in the pool. Chris studied at Cambridge University, later helped lead the London 2012 Paralympic Games as Director of Paralympic Integration, and joined the House of Lords in 2013. He has since become a strong advocate for disability inclusion, accessibility, and the potential of technology to create greater opportunity for everyone.

Chris’s journey reminds us that when life changes unexpectedly, the path forward may look different - but our circumstances don’t have to determine how far we can go. ✨