Credit utilization compares the outstanding balance on a revolving credit account with its available credit limit. A $300 balance on a $1,000 limit is 30% utilization. Our credit utilization calculator helps you explore the arithmetic for individual cards and all cards combined. Credit scoring models consider a variety of information; no specific utilization percentage guarantees a score change.
What you can do next
Review your own documents carefully, use reputable primary sources, and choose steps appropriate to your circumstances.
Reviewed for introductory educational use in October 2026. This is general information, not individualized legal or financial advice.