Credit Utilization Optimizer
Find the optimal way to distribute balances across your credit cards for maximum score impact
Your Credit Cards
Enter your current credit card balances and limits
Utilization30.0%
Utilization26.7%
Current Summary
28.7%
Overall Utilization
$5,700
Available Credit
Optimization Results
Recommended balance distribution for optimal credit scores
Card 1
Current: 30.0%
Optimal: 10.0%
Current Balance: $1,500Pay down $1,000
Current
Optimized
Card 2
Current: 26.7%
Optimal: 10.0%
Current Balance: $800Pay down $500
Current
Optimized
Utilization Guidelines
Excellent (0-10%)
Optimal for highest credit scores
Good (10-30%)
Acceptable but room for improvement
Poor (30%+)
Likely hurting your credit score
Pro Tips
- Keep individual card utilization below 10% for best results
- Pay down balances before statement dates to lower reported utilization
- Consider requesting credit limit increases to lower utilization
- Don't close old cards - keep them open with zero balances