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The share of your available credit you are currently using.
Credit utilization is your total revolving balances divided by your total credit limits, expressed as a percentage. It is one of the largest factors in a credit score, and keeping it low — generally under 30%, and ideally under 10% — signals that you are not over-reliant on credit. It is calculated on the balance reported to the bureaus, not necessarily what you owe after paying.
Carrying a $900 balance on a card with a $3,000 limit is 30% utilization.
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