Utilisation per card
Cards & borrowingHow much of each individual credit limit you are using.
Overview
High utilisation on one card can affect your score even if overall usage is low.
Lenders often look at both overall and per-card utilisation.
Why it matters
- High per-card usage can reduce your score.
- It can signal higher risk on a single account.
- It affects how lenders view your credit behaviour.
FAQs
Is per-card utilisation more important than overall?
Both matter. High usage on one card can still be negative.
How can I reduce per-card utilisation?
Pay down balances or spread spending across cards.
Related terms
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