Credit Utilization Ratio Calculator
Your credit utilization ratio is how much of your total credit limit you are using. Lenders and credit bureaus like CIBIL treat a high ratio as a risk signal. Add all your cards to see where you stand.
What is a good credit utilization ratio?
- Under 10%: excellent
- 10–30%: good
- 30–50%: fair, and may start affecting your score
- Over 50%: high, and likely to hurt your score
How to lower your utilization
- Pay down balances before the statement date, not just the due date.
- Ask for a credit limit increase (without increasing your spending).
- Spread spending across cards so none is close to its limit.
- Keep old cards open, especially lifetime free ones.
FAQs
Does credit utilization affect my CIBIL score?
Yes. Utilization is one of the factors credit bureaus consider. Keeping it below 30% is generally recommended.
Is utilization calculated per card or overall?
Both can matter. Keep your overall ratio low and avoid maxing out any single card.