Utilization is a ratio, not a credit score
Balances divided by limits is one input some models use. It is not a FICO, and we will not invent yours.
Personal finance editor
Credit utilization is typically revolving balances divided by revolving limits. It is a snapshot, and it can change when you pay or when an issuer changes a limit.
It is not a three-digit score. DontPanic does not pull a FICO or VantageScore, and this page will not guess one.
If you want to see how a card APR compounds, enter the rate on your statement. That math is not a score simulator.
Estimates and articles on DontPanic are for general information only. They are not financial, legal, or tax advice, and they are not an offer to buy or sell any product.
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You enter the rate. Snapshot figures have an as-of date.