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Find out exactly how much to pay to reach your ideal credit utilization rate.
Enter your credit limit to see payment targets.
Credit scoring models reward lower utilization. The sweet spot is generally under 10%, but even getting below 30% makes a noticeable difference.
Timing matters: Your utilization is typically reported on your statement closing date. Making a payment before that date can lower the utilization that gets reported.
Pro tip: You don't need 0% utilization. Having a small balance (1–5%) can actually be slightly better than 0% because it shows you're actively using credit responsibly.