as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
should i avoid credit card use to improve our debt-to-income ratio?
user
if you pay it off before the cycle closes it will look like you have 100% available credit.   so if you credit card statement closes on the 7th pay it off on the 6th in full don't pay it when its due 2/3 weeks later. then after three months of doing that your credit score will go up based on the fact that your debt ratio is so low.  that ratio is 30% of your credit score.  it will help quite alot.
assistant