1 comment

  • Avatar
    Nikhil Wason

    Definitely not! Utilizing $993 out of if your $1000 credit limit simply means that you've used up 99.3% of your credit limit. This may affect your credit score in a negative way. You're probably wondering why. Well, remember that the reason why most individuals go on default is due to credit card and high loan balances. Hence, the higher your card utilization is, the higher the chances of you missing out on payments in the future. 

    If you plan on improving your score, zero out your credit card balance each month. Not only will it save you from incurring interest rates, it will also have positive impact on your credit standing. 


    Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future. We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

    Learn what others are saying about us on Google, Yelp, and Facebook or visit us at If you have any questions, send us an email at

    Comment actions Permalink

Please sign in to leave a comment.