Find your credit utilization ratio against your available limits.
Credit utilization is the ratio of card balances to total limits. Keeping it below roughly 30 percent is widely considered a healthy range. Utilization is one of the most controllable credit-score factors, so lowering balances is a fast way to improve a score.
Credit Utilization
Utilization = total balances / total credit limit x 100
Utilization = total balances / total credit limit x 100 Credit utilization is the ratio of card balances to total limits. Keeping it below roughly 30 percent is widely considered a healthy range.
Utilization is one of the most controllable credit-score factors, so lowering balances is a fast way to improve a score.
This calculator takes 2 inputs: Total balances, Total credit limit. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.