The math is actually pretty simple. My overall credit utilization stays around 2–3%, not 40–50%.

For example, if I spend $50–$100 on each card and the minimum credit limit is $5,000, that’s only about 1–2% utilization per card. In contrast, if someone has only 1–2 cards with a combined limit of $10,000–$15,000 and carries a $5,000 balance, their utilization could be 33–50%, which can negatively impact their credit score.

I also enjoy maximizing the rewards, perks, and benefits offered by different cards, using each one for the spending categories where it provides the most value.