 TITLE: How Much Credit Should I Use? CONTENT: What's an Excellent Credit Utilization Ratio?\n---------------------------------------------\nIn general, the lower your credit utilization ratio, the better your credit score. Aim for a total utilization ratio, and ratios for each credit card, of no more than 30%. Your credit score will take a bigger hit once your utilization goes above that. People with exceptional credit scores (800 or higher on the FICO® Score☉ range of 300 to 850) tend to keep utilization under 10% for each card and for total credit card use. END