If Your Credit Use Tops 50% of Limit, Rating May Suffer.Focuses on the effect of using more than 50% available credit on credit cards.EBSCO_bspWall Street Journal - Eastern EditionKimJaneJ.
or your balance, compared to your total credit line. So, for example, if you have a total credit limit of $9,000 on your cards, and you have used $3,000, then your credit utilization ratio would be 30%.
Arkali said that while there are “no hard and fast rules” for an ideal credit utilization ratio, FICO research shows that the highest-scoring 25% of consumers — those with a score above 795 — use an average 7% of their credit limit. “There is nothing significant about 3...
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