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Glossary

Credit Utilization

The share of your available credit you're currently using.

Credit utilization is your total card balances divided by your total credit limits. It's one of the largest factors in a credit score, and lower is better.

Keeping utilization under 30% — ideally under 10% — helps your score; it updates quickly when you pay balances down.

Put it into practiceTry the Credit Utilization CalculatorRun your own numbers in seconds — free and private.

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