 TITLE: How to Calculate Credit Card Utilization CONTENT: What Is a Good Credit Utilization Ratio?\n----------------------------------------\nA good utilization ratio is a low utilization ratio, such as 1% to 9%. Higher ratios could indicate difficulty affording future bill payments, which is why high utilization rates can hurt your credit scores.\nYou could still have a good or excellent score with a utilization rate of 10% or higher, but you generally want to aim for a ratio below 30%. A utilization ratio topping 30% can do more serious damage to your credit scores. Ideally, keep your ratio in the low single digits for the best credit scores. END