Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

Using no more than 30% of your credit limits is a guideline — and using less is better for your score. Many, or all, of the products featured on this page are from our advertising partners who ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...