Last updated: September 2026. Data note: Credit scoring guidance in this article reflects general industry practice as of September 2026. Scoring models and issuer reporting practices can vary and change — verify specifics with your card issuer and the sources cited in the References section. Quick answer: Credit utilization is the percentage of your available revolving credit — mainly credit cards — that’s currently reported as in use. It’s calculated as reported balance ÷ reported credit limit × 100. Commonly