Your credit utilization rate, sometimes called your credit utilization ratio, is the amount of revolving credit you're currently using divided by the total amount of revolving credit you have available. ...While your credit utilization rate is generally a comparison of total credit used to total credit available, the amount of credit you're using on individual cards is also important. Your per-card credit utilization rate is calculated in the same basic way as your overall utilization rate, except it compares the balance of an individual credit card to available credit on the same card....In a FICOŽ Score or score by VantageScore, it is commonly recommended to keep your total credit utilization rate below 30%.