Oct 9, 2025 · Your credit utilization rate is the percentage of available credit that you’re using on your credit cards and other lines of credit. It’s based on the balances that appear in your credit report.

Our credit utilization calculator quickly determines your ratio of available credit and delivers the next steps to improve your credit score.

Dec 12, 2025 · Credit card utilization — or just credit utilization, for short — refers to how much of your available credit you use at any given time. You can figure out your credit utilization rate by dividing …

Understanding how your card usage affects your credit utilization ratio is an important part of managing your credit. You'll want to keep this handy calculation top of mind as you use your cards throughout …

Oct 23, 2025 · To calculate credit utilization for one credit card account, divide the balance listed on your monthly statement by the credit limit, then multiply the result by 100. For example, if you have a …

Jan 9, 2026 · Wondering what credit card utilization is best? Is it bad to have 0% credit utilization? Learn about the ins and outs of credit card utilization.

Credit utilization is the ratio of your current credit card balances to your total available credit limits, expressed as a percentage. This ratio tells lenders how much of your available credit you're actively …

Oct 29, 2025 · Here’s what you need to do to calculate your credit utilization: Divide total debt by total credit limit and multiply that number by 100. The result is your credit utilization ratio. Let’s say you …

Jul 23, 2025 · Credit utilization is the percentage of your available credit that you’re using. Learn how it works, why it matters for your credit score, and how to manage it. Credit utilization ratio measures …

5 days ago · Learn how to calculate and lower your credit utilization rate to improve your credit score with these practical tips.