You won’t owe interest if your credit card balance is zero at the end of your billing cycle. By comparison, let’s say you have a $10,000 balance at the end of your billing cycle; at 22.8% ...

You have one credit card with a $10,000 limit and a $5,000 balance. Your credit utilization is 50%. Now, let’s say you have two cards, each with a $10,000 limit, and the same $5,000 balance on ...

1. Make periodic, small purchases on credit cards: Instead of allowing a credit card balance to fall all the way to zero, try making small, periodic payments to boost credit utilization ratios.

In practice, the story of the balance of customer experience and profit is closely linked to the abovementioned market segmentation, which, in its turn, is based on payment capacity.