Calculateur de Taux d'Utilisation du Crédit — Formule

## 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 |

Exemple Résolu

$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