> ## Documentation Index
> Fetch the complete documentation index at: https://docs.creda.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Manage Positions

> Learn how to monitor, adjust, and optimize your lending and borrowing positions on Creda Finance

Focus on a few metrics, keep a buffer, and make small, timely adjustments.

## What To Watch

* Health factor: primary safety indicator (aim 1.5+)
* Utilization and rates: higher utilization → higher borrow/supply APYs
* Liquidity: large withdrawals are easier at lower utilization

## Common Actions

* Add collateral or repay to lift health factor
* Toggle collateral for assets you don’t need to borrow against
* Rebalance between assets if rates or risk change

## Simple Rhythm

* Daily: glance at health factor and major price moves
* Weekly: review rates and net interest; adjust if needed
* After big moves: top‑up or deleverage promptly rather than waiting

## Guardrails

* Don’t borrow to the max; leave room for volatility
* Keep native tokens for fees and an emergency top‑up fund
* Use alerts to get ahead of risky levels

Small, consistent maintenance beats infrequent, stressful overhauls.