Free tools / Utilization calculator
What is your utilization?
Utilization is how much of your available credit you are using. It is one of the biggest factors in your score, and one of the fastest to change.
Your cards
Overall utilization
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Add a balance and limit to calculate.
Utilization is usually measured from the balance on your statement, not after you pay. Lower is generally better: staying under 30% is widely recommended, and under 10% is often cited for the strongest scores. Scoring models do not publish exact thresholds.
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