Last updated: 17 August 2026
What is Utilization?
Used limit ÷ total limit × 100. Example: ₹30K use kiya ₹1L me se = 30% utilization. Ye credit score ke 30% weight rakhta hai (FICO me 30%)!
Why 30% Matters
| Utilization | Score Impact |
|---|---|
| 0-10% | Excellent |
| 10-30% | Good |
| 30-50% | Fair — warning |
| 50%+ | Poor — risk signal |
How to Lower It
- Closing date before payment do
- Limit increase request do
- Multiple cards me spend spread do
Track It
Convert each card's statement to Excel and build a utilization sheet — updated in 1 minute each month.
Convert your statement — free!
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Frequently Asked Questions
Q: What is a good credit utilization ratio?
A: 30% se kam — ideal 10% se 30% ke beech. 0% is unusual; 1–10% is ideal.
Q: Does utilization affect credit score?
A: Haan — 30% weight (FICO). Higher utilization = higher risk = lower score.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.