Question: According to the credit utlization ratio, using less than _ _ _ _ _ _ _ % of one's available credit will _ _ _

According to the credit utlization ratio, using less than_______% of one's available credit will _____________ one's credit score over time, even if the credit card balance is paid in full each month to avoid interest charges.
a.
50%; raise
b.
10%; lower
c.
75%; have no impact on
d.
30%; raise

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