Credit Utilization
Credit utilization is a term that refers to the amount of credit that a person is using compared to the amount of credit that is available to them. A high credit utilization ratio can be a red flag for lenders, as it may indicate that a person is struggling to manage their debt. Continue Reading Below
Encyclopedia Articles
Discover the definition of financial terms related to credit utilization.
Maxed Out Credit Card: What Happens, How It Hurts Your Score, and How to Fix It
Justin Smith
What Is Credit Mix? How Account Diversity Affects Your Credit Score
Andrew Latham
What Is Credit Utilization? How It Affects Your Credit Score and How to Lower It
Andrew Latham
Statement Balance vs. Current Balance: Definition, How it Works & Key Differences
Andrew Latham
What Is Available Credit?
Cara Corey
Cash Advances Explained: How They Work, Types, and Examples
SuperMoney Team
Revolving Account: Meaning and Impact on Credit Score
SuperMoney Team
Prepayment Privilege: What It Is, How It Works, and Its Impact on Borrowers
Dan Agbo
Minimum Spend: Definition, Strategies, and Considerations
Alessandra Nicole
Convenience Checks: How They Work and Examples
Silas Bamigbola
Learn About Credit Utilization
Charge Card vs. Credit Card: What are the Differences?
Benjamin Locke
What Is a Good FICO Score 8? Ranges, Uses & How to Improve It
Andrew Latham
How Many Credit Cards Should I Have? The Answer Depends on These 4 Factors
Andrew Latham
How to Lower Your Credit Utilization Ratio
Jessica Walrack
What is the Ideal Credit Utilization Rate?
Ben Luthi
Credit Card Limit: What It Is, How It's Set, and How to Increase It
Andrew Latham
How to Get a Chase Credit Limit Increase (2026 Update)
Lacey Stark
How to Get a Amex Credit Line Increase (2026 Update)
Lacey Stark
How to Get a Discover Credit Line Increase (2026 Update)
Lacey Stark
How to Get an Apple Card Credit Limit Increase (2026 Update)
Lacey Stark
How Many Discover Credit Cards Can You Have?
SuperMoney Team
What Credit Cards Use TransUnion for Consumer Credit Checks
Lacey Stark
Does PayPal Credit Affect Your Credit Score?
Taylor Marks
Can You Reopen a Closed Credit Card?
Emily Africa
Balance Transfers Affect Your Credit Score - Here's How
Ben Luthi
10 Credit Mistakes New Homeowners Make, As Told By Experts
Theresa Cummings