Check used and available credit
Utilization
30.00%
Used / limit
Available
₹2,10,000
Unused limit
Pay Down
₹0
To reach 30%
Check how much of your credit limit is used and how much to pay down to reach a healthier utilization level.
Credit utilization is used credit divided by total credit limit. A lower utilization ratio is generally better for credit health.
Many people use 30% as a planning benchmark, but lower can be better.
It can. Credit scoring models often consider how much credit you use.