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See how much of your credit line you re using

Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Close X

What is your credit utilization ratio

Why does your credit utilization ratio matter

How do you calculate credit utilization

: (Credit Card Balance) ÷ (Card's Credit Limit) : [(Credit Card 1 Balance) + (Credit Card Balance 2 or Other Revolving Credit Line Balance), etc.] / [(Card 1 Credit Limit) + (Card 2 Credit Limit or Other Revolving Credit Line's Limit), etc.]

What is a good credit utilization ratio

How do you lower your credit utilization ratio