Credit Utilization Calculator
See your credit utilization ratio instantly, and whether it's helping or hurting your credit score.
Calculate Your Utilization
How Credit Utilization Is Calculated
It's calculated both per card and overall — and both matter. A single maxed-out card can hurt your score even if your overall utilization looks fine.
Worked example: Card A has $1,800 on a $2,000 limit (90%). Card B has $200 on a $5,000 limit (4%). Overall utilization is 28.6% — but Card A sitting at 90% can still drag your score down.
What Counts as a Good Ratio
| Utilization | Rating |
|---|---|
| Under 10% | Excellent |
| 10–30% | Good |
| 30–50% | High |
| Over 50% | Very high |
Frequently Asked Questions
What is a good credit utilization ratio?
Generally, under 30% overall is considered good, and under 10% is considered excellent by most scoring models.
Does utilization matter per card or just overall?
Both. Overall utilization affects your score, but a single card near its limit can also count against you individually.
How fast does paying down a balance improve my score?
Usually within one billing cycle. Paying down before your statement closing date (not just the due date) is what actually gets reported.
Does closing a card hurt my utilization ratio?
It can — closing a card removes its credit limit from your total available credit, which can raise your overall utilization percentage.