Here's an axiom familiar to borrowers: Using too much of your available credit hurts your credit score. A personal finance rule of thumb that goes with it says that for a good credit score, keep your  credit utilization ratio  -- what you use versus how much you have to use -- below 30 percent.The rule applies to each card individually, and to the cumulative limits of all your cards.hat can be good news for consumers who want to actually use lower-limit credit cards for more than token purchases. According to FICO surveys, credit scoring high achievers -- those with a score north of 750 -- they're using an average of 7 percent of their available credit, Sprauve says.
To write a descriptive essay, youâll need to describe a person, object, or event so vividly that the reader feels like he/she could reach out and touch it. Tips for writing effective narrative and descriptive essays: 1  Tell a story about a moment or event that means a lot to you--it will make it easier for you to tell the story in an interesting way!  Get right to the action! Avoid long introductions and lengthy descriptions--especially at the beginning of your narrative.
But if the message is wrong, it doesnât matter what you put around it. To write the most effective speech, you should have significant knowledge about your topic, sincerely care about it and be eager to talk about it. Focus on a message that is relevant to the target audience, and remember: an audience wants opinion.