As inflationary pressures and mortgage burdens increase, the number of people with dual mortgages is increasing year by year. Improving your credit score can reduce the stress of future loans, and the key is good credit card utilization and repayment habits. This article provides three practical methods: increasing the credit card limit, keeping old credit cards to extend the credit age, and cautiously applying for new credit cards to help readers reduce credit card utilization and ultimately achieve better loan conditions.