Utilisation percentage
Credit scores & reportsThe share of your available credit that you are using.
Overview
It is calculated as balance divided by credit limit.
Lower percentages are usually better.
Why it matters
- It is a major scoring factor.
- High percentages can reduce your score.
- It affects how lenders see your risk.
FAQs
Is there a best utilisation percentage?
Lower is generally better, but some use is fine if paid on time.
How do I reduce utilisation?
Pay down balances or increase limits responsibly.
Related terms
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