Both per-card and overall matter
FICO weighs both overall utilization and the highest single-card utilization. Spreading $2k across three cards at 30% each scores worse than concentrating it on one card at 40% if others are at 0%.
Credit Utilization Optimizer
Target balance per card to hit optimal credit utilization ratios.
Results
Current utilization
21.9%
Target balance total (9%)
$1,395.00
Amount to pay down
$2,005.00
Cards over 30%
1 of 3
Frequently asked questions
1.What's the magic number?
Under 10% overall, with no single card above 30%, is the conservative target for maximum score.
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