Start Where You Are
If utilization is very high, aim first for 79%, then continue downward in manageable stages.
Credit tools
Turn credit information into a practical plan.
Use the utilization calculator below to see how revolving balances affect your overall percentage and identify the next target to work toward.
Credit Utilization Calculator
Enter each revolving card balance and credit limit. Do not include installment loans.
This calculator is educational and does not predict a credit score. Issuer reporting dates, individual-card utilization, scoring model, and other account information also affect results.
Break Below 30%
Crossing below 30% is a meaningful milestone, but it is not the final target.
Work Toward 1–10%
The ideal reported range is generally 1–10%, while paying statements on time and avoiding unnecessary interest.
Your next step starts with a clear credit plan.
Choose a convenient appointment time online, then come prepared with a current three-bureau report and your questions.