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