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There’s no magic number to shoot for, but once your utilization hits about 30%, you could start to notice a negative effect on your credit scores. By the same token, if your utilization is in ...

People aged 18-25 had the highest average credit utilization at 81% — using most of their available credit. Utilization gradually declines with age, but even people 65+ are using 67%, on average.

For example, if you have a credit card with a $5,000 credit limit and a $2,500 balance, your credit utilization is 50%. If you pay down the balance to $1,000, then the utilization will also drop ...

High credit utilization means you’re using many of your available credit lines. General rule of thumb says to keep your utilization under 30% (and even lower if you can).