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.
What is certain is that your level of credit card debt does significantly impact your credit score. Most critically, your FICO score factors in your credit usage as 30 percent of your credit score, which is used by lenders to assess your creditworthiness. Your debt-to-credit limit ratio is the key attribute of credit usage. This is the percentage of your credit limit on each card and overall that is in use. For instance, a balance of $4,000 on a card with an $8,000 limit has a 50 percent debt-to-credit limit, or credit utilization, ratio.