What is credit utilization?
Quick Answer
Credit utilization is the percentage of available credit you're using. It's ~30% of your FICO score. Aim for under 30%; under 10% is optimal. Calculated as total credit card balances ÷ total credit limits.
Warren Team
Updated February 18, 2026
33
Warren Team
Updated February 18, 2026
33
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The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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