Utilisation is the share of your credit limit you are using. UK lenders like to see it low. Experian and Equifax both suggest keeping it below 25%, and under 10% is better still. Enter your balance and limit to see where you stand.
It is one of the biggest levers on your credit score, and one of the easiest to move. Pay a chunk off before your statement date and your reported utilisation drops, often within a month. Lenders read low utilisation as a sign you are in control rather than stretched.
Quick ways to lower it
Pay down the balance, ideally before the statement date.
Ask for a higher credit limit and then do not use it.
Spread spending across cards instead of maxing one.
The Income TrackerTrack it free. No account, no bank login.
Experian UK and Equifax UK both suggest staying below 25% of your total limit, and under 10% is better still. The 30% figure you often see is US guidance. High utilisation can pull your credit score down.
How is credit utilisation calculated?
Total balance divided by total credit limit, as a percentage. So £1,500 owed on a £5,000 limit is 30%.
Does checking this affect my credit score?
No. This calculator runs in your browser and does not touch your credit file.
Sources and checking
Facts on this page were last checked on 2026-09-08 against: