Stage 2 · Credit Optimization
Credit Utilization Planner
See how your balances compare to your limits and how much to pay to hit a target ratio.
This card: 30.0% utilization
Current position
Total limits$3,000
Total balances$900
Overall utilization30.0%
To reach 20%$300
Many scoring models weigh utilization heavily, but no specific score change is promised by paying a balance down. Issuers report balances on their own schedule, usually near your statement date.