Credit Utilisation
How much of your available credit you are actually using — a major input into your credit score, best kept under about 30%.
Credit utilisation is your card balances divided by your credit limits. A $3,000 balance on a $10,000 limit is 30% utilisation. Credit scoring models read high utilisation as financial stress, even if you pay on time.
The practical guidance: staying under roughly 30% is good for your score; under 10% is better. Counterintuitively, closing an unused card can hurt — it removes available credit and pushes utilisation up.
Owdyn’s Debt Cockpit shows utilisation per card and flags when a balance crosses the 30% line.
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