How this works
This is simply your total credit card balances divided by your total credit limits, as a percentage — even if you pay every bill on time, a consistently high utilisation can still pull your credit score down.
How much of your available credit card limit you're using — a number credit bureaus watch closely.
This is simply your total credit card balances divided by your total credit limits, as a percentage — even if you pay every bill on time, a consistently high utilisation can still pull your credit score down.