What's your
utilization ratio?
Utilization — your balance vs. your credit limit — is the second biggest factor in your credit score. See your current ratio, your score impact estimate, and exactly how much to pay to hit your target.
84.0% High
8.0% Excellent
Target utilization
Overall utilization
33%
Starting to suppress your score potential
Highest Impact Action
To reach 10% target
$3,500
TARGET: Chase Freedom
Total balance
$5,000
Total credit limit
$15,000
Two utilization numbers matter
Overall utilization is all your balances divided by all your limits — this is what most people track.
Utilization bands
0–10%· Excellent
Minimal impact; target range for elite scores
10–30%· Good
Healthy usage; unlikely to trigger warnings
30–50%· Fair
Starting to suppress your score potential
50–90%· High
Significant negative impact on FICO/Vantage
90–100%· Critical
Maxed out; severe score suppression
Credit Health
Credit Utilization FAQ
- How much does credit utilization affect my score?
- Utilization accounts for 30% of your FICO score. Lowering your utilization is the fastest way to see an immediate boost in your credit rating.
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