Show HN: The $10 coffee that tanked my credit score

1•soelost•2h ago

A $10 latte cost me 50 credit points last year. Not because I couldn't afford it - because it pushed my Chase card from 29% to 31% utilization. That's when I learned: Your balance won't hurt your credit score. Your utilization will. The problem isn't the rule (everyone knows 30%), it's tracking it. With multiple cards, changing balances, and daily spending, you're basically guessing which card is "safe." So I built Cretit - daily traffic lights for every credit card:

Green = safe to use Yellow = be careful Red = will hurt your score

Hope you guys like this one more than HumanAlarm

Comments

leakycap•1h ago

Clicking your link in Safari results in a download, not a page load.

Sounds like an interesting concept, but there is more to it than a simple 30% rule, surely?

pwg•1h ago

> Your balance won't hurt your credit score.

This implies "carrying a balance". Which, if true, is far worse than a 50 point credit score loss, because the interest on credit card balances usually is just shy of being high enough to be defined as Usury.

Credit cards are best used when one pays the balance in full every month, so that no interest charges accrue.

saaaaaam•44m ago

Why is this asking me to download something when I click the link on mobile?

LinkedIn will soon use your data to train AI. Here's what you can do to opt out

We vs. It: How AI is shifting power from humans to models

Oracle's Ellison joins Musk and Zuckerberg in controlling platforms billions see

Unsupervised Instance Segmentation with Superpixels

Aposd-vs-clean-code: A discussion between John Ousterhout and Robert Martin

The Cost of Progressive Rollout

Amiberry-Lite is an optimized Amiga emulator for ARM and RISC-V platforms

Show HN: Spatialbound – Turn any location into an interactive 3D playgrounds

Bring your Launchpad back in MacOS26+

The Illusion of Diminishing Returns: Measuring Long Horizon Execution in LLMs

Tech Report: Winning CRS from Team Atlanta (DARPA AIxCC)

Tenants Seek to Unionize One Private Equity Firm's Entire Housing Portfolio

Wake Forest University goes tuition free for families making less than 200k/year

New Olympic calendar likely because of climate change

Vogte: Agentic TUI for Go projects with LLM integration

SEAL Showdown

Printer Tracking Dots

CADBase for engineers and designers updated to v0.3

We built it: Real-time analytics for Stripe Billing

Salt AI raises $10M for health workflow platform

Ask HN: Should I hurry while doing Take Home projects or submit a bit hazily

Learning Moments with Blink: The OAuth2 Refresh Grant [video]

Show HN: KaniTTS – Ultra Fast and Expressive TTS Model

Tri Dao: The End of Nvidia's Dominance, Why Inference Costs Fell

Services: Universal Building-Blocks for Operations

Solving an equation using a Puiseux series

Hard Work Is a Virtue

Intel's Panel Self Refresh (PSR) Feature

New analysis of underwater videos shows octopuses are 'incredible multitaskers'

Trump admin reportedly plans to link autism to Tylenol use while pregnant