The credit utilization ratio is the amount of credit that you use as compared to the total credit limit available to you. It is recommended that you keep your credit utilization to 30% or below. A lower credit utilization represents a lower risk than is good for your credit score. Credit utilization comprises 30% of your credit score calculation. Credit utilization is considered by the credit scoring models individually on each credit card as well as jointly on all your credit cards. Which means that you not only need to keep your credit utilization to about 30% on the credit level available to you jointly on all credit cards but also on each individual credit card. A credit utilization of less than 30% is ideal if you carry a credit balance on your credit card or if your credit card is reported to the credit bureau before your payment is posted.