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.
The use of narrative in learning is not new and using it in e-learning helps enhance the learning process. Rapid e-learning authoring tools like Articulate Storyline have made it easy to use narratives in e-learning and thus bring all the benefits of narratives to the online learning delivery.