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
| Utilization | Impact |
|---|---|
| 0-10% | Excellent |
| 10-30% | Good |
| 30-50% | Fair |
| 50-75% | Poor |
| 75-100% | Very Poor |
**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
| Utilization | Impact |
|---|---|
| 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.
- Utilization = $3,000 / $15,000 x 100% = 20%
- This is in the "Good" range (10-30%)
- Ideal balance (30%) = $4,500
- Excellent balance (10%) = $1,500