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Credit Utilization Optimizer
Find the perfect balance to maximize your credit score
3 uses left
Credit utilization is the second most important factor in your credit score, accounting for 30% of your FICO score. This tool helps you optimize your credit card balances to achieve the ideal utilization ratio for maximum score improvement.
How to Use This Tool
- Add Your Cards: Enter each credit card's name and credit limit
- Input Current Balances: Add what you currently owe on each card
- Review Recommendations: Cards are sorted by highest utilization first
- Follow the Action Plan: Pay down high-utilization cards first for maximum score improvement
💡 Pro Tip: Keep individual cards below 30% and overall utilization below 10% for the best scores
Your Credit Cards
Optimization Results
Current Utilization
0%
Target Utilization
9%
Score Impact
+0 Calculating...