Your credit utilization is how much of your available credit you’re using at a given time. Aim to use no more than 30% your total available credit.

You can calculate your credit utilization ratio on a per-card or overall basis. We have a calculator below that can help.

Credit utilization is one of the most important factors used to calculate your credit score. People with the highest credit scores tend to have credit utilization ratios in the single digits (below 10%).

There are ways to track your utilization and keep it low. For example, you can make multiple credit card payments over the course of the month so the lowest balance gets reported to the credit bureaus. You also can set alerts to get notified when your credit cards approach 30% of their limit.

이건 구글에서 퍼온거고요, 어제 app 으로 카드 페이 하다보니 써 있더라고요. 30% 이하를 써야 굿 크레딧 점수를 가질수 있다고. 그 이상이면 크레딧 점수가 떨어질수 있디고요..그럼 그 달에 더 쓰려면 30% 를 쓰고 갚고 쓰고 갚고 해야하는건가봐요. 처음 알았네요.

제일 좋은 점수를 가질려면 10% 이하