信用利用率计算器
计算您的信用卡利用率，了解信用额度使用比例对信用评分的影响，获取改善信用利用率的建议。
Credit Utilization
20.0 %
Credit Utilization vs Total Credit Card Balances
公式
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
计算示例
$3,000 balances across cards with $15,000 total limit.
- 01Utilization = $3,000 / $15,000 x 100% = 20%
- 02This is in the "Good" range (10-30%)
- 03Ideal balance (30%) = $4,500
- 04Excellent balance (10%) = $1,500
常见问题
What is a good credit utilization?
Below 30% is good, below 10% is excellent. Credit scoring models reward lower utilization. Some experts suggest keeping individual card utilization low as well, not just overall.
Does 0% utilization help my score?
Not necessarily. Having zero utilization may signal inactivity. Using a small amount (1-9%) and paying it off shows responsible use and typically produces the highest scores.
How quickly does utilization affect my score?
Utilization updates monthly when card issuers report balances. It has no memory -- once you lower your balances, your score improves the next month. This makes it one of the fastest ways to boost your score.
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