Credit utilization is the percentage calculation of how much of your available revolving credit you use at any given time. Credit utilization accounts for about 30% of your credit score, so it is important to know how to manage your own ratio improve it over time.

Our company receives compensation from partners seen on our website. Here's how we make money. Our research, news, ratings, and assessments are scrutinized using strict editorial integrity. Our editorial staff does not receive direction from advertisers on our website.