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Credit
Utilization

Optimise balances across cards for maximum FICO score boost — see exactly what to pay and by how much.

Your Credit Cards
Card Name
Balance
Credit Limit
Target Utilization
Custom Target % 9%
%
Available Cash to Pay Down
$
Utilization Analysis
Overall Utilization
0%
Total balance / Total credit limit
$0
Total Balance
$0
Total Credit Limit
9%
Your Target
$0
Need to Pay Down
Card-by-Card Status
Optimised Paydown Plan
FICO Score Impact
50%+
Very Bad
30-49%
Poor
10-29%
Good
1-9%
Excellent
Your current utilization: —
📊

Utilization Assessment

Calculating...

💡
Per-card utilization also matters: FICO scores consider BOTH your overall utilization AND per-card utilization. A single card at 90% utilization hurts your score even if your overall utilization is low. Aim to keep every individual card below 30%.

Boost Your Credit Score

A higher credit score means better mortgage rates, lower insurance premiums and more financial options.

💬 Get Credit Coaching →