不是25%，是10%.
以下是我的indentity monitor上的，看着觉得有用给我发大包子吧。
You are using less than 10% of the credit limit. This raises your score.
High usage (such as balances above 50% of the credit limit) is usually
considered negative because lenders worry that you may be using more credit
than you can reasonably afford to repay. In fact, as little as 15% usage may
lower your score if you have no serious negatives (such as late payments)
in your report. Being "maxed out" or overlimit on a credit card (when your
balance is close to or above the credit limit) is particularly negative. The
more accounts in this situation, the more it affects your scores. On the
other hand, low usage is usually considered positive because it provides
lenders with information on how you use credit. It also demonstrates that
you do not need to use all of the credit available to you. However, not
using your credit accounts at all may be considered a negative factor,
because it does not provide lenders with information about how you typically
use credit and repay your debts.
