Kreditauslastungsrechner — Formel

Credit Utilization Ratio

Utilization = Total Balances / Total Credit Limits x 100%

This is one of the most important factors in your credit score, accounting for about 30% of your FICO score.

Utilization Thresholds

UtilizationImpact 0-10%Excellent 10-30%Good 30-50%Fair 50-75%Poor 75-100%Very Poor

Lösungsbeispiel

$3,000 balances across cards with $15,000 total limit.

  1. Utilization = $3,000 / $15,000 x 100% = 20%
  2. This is in the "Good" range (10-30%)
  3. Ideal balance (30%) = $4,500
  4. Excellent balance (10%) = $1,500