Loading…
See how your credit card balances affect your credit score and get personalized recommendations.
Add up the credit limits across all your cards
Total amount you currently owe across all cards
Enter your credit limit to see your utilization rate.
Credit utilization is the percentage of your available credit that you're currently using. It's one of the biggest factors in your credit score, making up about 30% of your FICO score.
Why it matters: Lenders see high utilization as a sign of financial stress. Keeping your utilization low signals that you manage credit responsibly.
How to improve: Pay down balances before your statement closes, request credit limit increases, or spread spending across multiple cards.