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| Name | Limit | Balance | Utilization | Actions |
|---|---|---|---|---|
| 24% | ||||
| 30% |
All calculations are done locally in your browser.
It’s the percentage of your credit limits that you’re currently using. Lower is generally better for credit scores.
Common guidance suggests under 30% overall and ideally under 10% before statement close for best scoring impact.
Pay down balances before statement closing dates, spread balances across cards, or request limit increases responsibly.
See Debt Payoff, Balance Transfer, and Budget Planner to manage balances and cash flow.