Guided Path
If you want to understand credit utilisation and how much of your available credit is being used, start here.
Use these steps as a learning route. They are educational only and do not replace regulated financial advice.
Compare your balance with your total credit limit.
Using a large share of available credit can make your finances look stretched.
Lower balances may improve utilisation over time.
If this does not match your situation, go back to Start Here and choose a different route.