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Credit Utilization
Track your credit card balances, limits, and usage to keep your credit healthy.
What is credit utilization?
Credit utilization is the percentage of your available credit you're currently using. Keeping it below 30% is generally recommended. Below 10% is considered optimal. This page tracks your revolving credit usage — it does not estimate a credit score.
We do our best to match your budget debts to credit accounts automatically, but sometimes it doesn't get it right. Please review everything to make sure it's accurate — just like you would with a credit report.
10.6%
Good Utilization
$1,590.00
Total Balance
$15,000.00
Total Limit
$13,410.00
Available
Revolving Credit
Chase Sapphire
Credit Card
Balance
$1,250.00
$1,250.00
Limit
$8,000.00
$8,000.00
15.6% used
$6,750.00 available
21.99% APR
| Tier | Max Balance | |
|---|---|---|
| Excellent (≤10%) | $800.00 | Pay $450.00 |
| Good (≤30%) | $2,400.00 | You're here |
| Fair (≤50%) | $4,000.00 | |
| Poor (≤75%) | $6,000.00 | |
| Critical (≤100%) | $8,000.00 |
One step at a time — focus on reaching Excellent
Target RedCard
Store Card
Balance
$340.00
$340.00
Limit
$2,000.00
$2,000.00
17% used
$1,660.00 available
25.49% APR
| Tier | Max Balance | |
|---|---|---|
| Excellent (≤10%) | $200.00 | Pay $140.00 |
| Good (≤30%) | $600.00 | You're here |
| Fair (≤50%) | $1,000.00 | |
| Poor (≤75%) | $1,500.00 | |
| Critical (≤100%) | $2,000.00 |
One step at a time — focus on reaching Excellent
Lowest balance! Find out how you can pay off this debt fast — check out the debt snowball / avalanche
Citi Double Cash
Credit Card
Balance
$0.00
$0.00
Limit
$5,000.00
$5,000.00
0% used
$5,000.00 available
18.74% APR
| Tier | Max Balance | |
|---|---|---|
| Excellent (≤10%) | $500.00 | |
| Good (≤30%) | $1,500.00 | |
| Fair (≤50%) | $2,500.00 | |
| Poor (≤75%) | $3,750.00 | |
| Critical (≤100%) | $5,000.00 |
Installment Debts
Auto Loan
Auto Loan
Remaining Balance
$12,400.00 5.49% APR
$12,400.00 5.49% APR
Utilization Guide
UTILIZATION THRESHOLDS
0 – 10%Excellent
10 – 30%Good
30 – 50%Fair
50 – 75%Poor
75 – 100%Critical
TIPS TO IMPROVE
- Pay down balances before the statement closing date
- Request credit limit increases on well-managed accounts
- Spread purchases across multiple cards instead of maxing one
- Keep old accounts open — closing them reduces your total limit
- Set up autopay for at least the minimum to avoid late payments