Credit utilization — how much of your limit you're using — accounts for 30% of your score. See your current ratio and exactly how much to spend to keep it optimal.
Combined utilization (all cards)
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What credit bureaus report
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Tip: Bureaus see your statement balance, not what you've paid during the month. Pay down your balance before your statement close date — not just your due date — to lower what gets reported.
0–10% ideal
10–30% good
30%+ caution
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combined utilization ratio
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Start by adding your first credit card
Enter your card name, credit limit, and current balance to see your utilization ratio and get personalized recommendations.