Credit utilization ratio

Add your cards and limits. See your overall and per-card ratio, and the balance that gets each one under 30% and 10%.

Your cards

Use statement balances

Card name

Balance ($)

Credit limit ($)

37%

Pay $350 to bring this card under 30%.

Card name

Balance ($)

Credit limit ($)

40%

Pay $800 to bring this card under 30%.

Card name

Balance ($)

Credit limit ($)

28%

Good on this card.

Overall utilization37.7%Fair

Lowering this is often the fastest-acting move on a credit score, because utilization has no long memory.

Total balances$5,470

Total limits$14,500

Pay down to reach 30%$1,120

Pay down to reach 10%$4,020

BuffYourCredit ranks every move by estimated impact and tracks your progress monthly.

Educational estimate based on what you enter. Not a credit score, a lending decision or financial advice.