Credit utilization is the ratio of your outstanding credit balances on both credit cards and lines of credit compared to your overall credit limit combined across your accounts. Your credit utilization rate also known as your credit utilization ratio or CUR is the amount of credit youre using compared to the amount of credit you have available. How To Increase Your Credit Score To 850 Career Coach For Mid Career Professionals L Kimberly Van Credit Education Money Management Advice Credit Score Once we settled on a core list of cards we considered what kinds of people would benefit most from each card to settle on our unique categories. . In some cases we chose not to pick cards that offer high gas rewards rates but with limited. With a limit that low even carrying over a balance of 100 could impact your credit utilization ratio and credit score. For example if you currently have a balance of 500 against your 1000 credit limit your credit u...