«You should never exceed a 30 percent utilization rate on personal or business credit cards,» Griffin says. (creditcards.com)
If the credit card company is only reporting a $ 500 limit, you will appear to be carrying a 60 percent utilization rate. (getoutofdebt.org)
Utilization basically boils down to this: If you've got a card with a $ 5,000 credit limit and you're carrying a $ 4,750 balance, you've got a 95 percent utilization rate. (mercurynews.com)