Enter each card's balance and limit, up to 5 cards. See your utilization per card and in total, and how much to pay to get under 30% or 10%.
Balances and limits only. No card numbers. Nothing is sent or saved.
Total utilization
0%
10%30%50%75%
Pay to get under 30% total$0
Pay to get under 10% total$0
Pay to get every card under 30%$0
Pay to get every card under 10%$0
Card by card
under 10%10–30%over 30%
Timing matters. Card companies usually report the balance on your statement closing date, not the due date. Pay before the closing date and the lower balance is what the bureaus see.
Common myth: "Keep a small balance on the card to build credit." You don't need to carry a balance or pay interest. Let the statement show a small amount, then pay it in full. And 30% is not a magic line: FICO says lower is better, under 10% helps.
Next steps
Have a lump sum? Split it the smart way with T232.
Look up each card's statement closing date in the app, and set a reminder 2–3 days before it.
Already applying for a loan? Paid down a lot? Ask your lender about a rapid rescore (only a lender can order one).
See the full picture in T230, and what your score costs per month in T37.