What is credit utilisation?
Credit utilisation is the percentage of available credit you are using. For example, if your total credit limit is £6,000 and your balances are £3,000, your utilisation is 50%.
Calculator
Check how much of your available credit is being used across one or more cards.
Interactive calculator
Enter your total credit limit and current balances to see your utilisation percentage.
This is educational information only. Credit score factors vary by lender and country.
Credit utilisation is the percentage of available credit you are using. For example, if your total credit limit is £6,000 and your balances are £3,000, your utilisation is 50%.