Bristol-Myers Squibb and the Otsuka Pharmaceutical Company market Abilify as an add-on treatment to other anti-depressants and as a treatment for other mental illnesses. But the blockbuster drug is also linked to serious side effects like suicidal thoughts, sexual dysfunction and compulsive gambling.
Use Less Credit. While you can lower your credit utilization by increasing your credit limit, you can also attack the other side of the issue. If you have 40 percent utilization due to a $1,000 balance and a $2,500 limit, spending or owing less on your credit card will have the same impact as raising your credit limit. Cutting your credit card balance back to $600 will reduce your utilization to 24 percent and may improve your score.
The lower the rate, the more it boosts your credit score. The goal is to keep the rate below 20 percent. For example, if you have a credit card that has a $3,000 credit limit, ideally you should only charge up to $600, or 20 percent of the limit.That shows you have discipline when it comes to charging on your credit cards and you're not risky because you aren't close to maxing out your credit card.irst, credit-limit increases don't hurt your credit score. In fact, they could even help your credit score. Here's how.One of the key factors contributing to your credit score is the utilization rate, or the percentage of available credit you use on your credit cards.