Credit reporting agencies consider total credit utilization as well as the ages of accounts when calculating a credit score. (fixmy.credit)
For example, having $ 5,000 of debt and $ 10,000 in available credit puts your credit utilization rate at 50 percent, which is higher than the recommend total credit utilization rate of below 30 percent. (gobankingrates.com)
For example, if you have a total credit limit of $ 1,000, and carry a balance of $ 500, your total credit utilization is be 50 %. (valuepenguin.com)