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Credit Utilization Calculator

Utilization ratio + projected credit score impact.

Total Balance Across All Cards

Total Credit Limit

Utilization: 16.7%

Good

Score impactNeutral / +5

Pay to reach 10%$1,000

Pay to reach 30%$0

Sweet spot is 1-10%. Reporting date matters — pay before statement closes to lower reported utilization. Per-card matters too: don't max one even if total is low.