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.
So, closing a credit card account could have an immediate negative impact on your credit score if the card has a large credit limit and you continue to charge the same total amounts as before. There are ways to offset this utilization rate effect.or the highest credit score possible, it's best to keep your utilization rate low, less than 20 percent. Here's how closing a credit card can increase your utilization rate and lower your credit score. Say you have three credit cards with credit lines of $1,000 each, or $3,000 in total.