Went from 39% to 28% utilization in one day. Popped for the ten bucks to see the difference. A whopping four points - went from 673 to 677. Looks like despite the slide from FICO, the magic percentage is 36% - closer you get to it, more points you get. Then it slows down. Here's one: The proportion of balances to credit limits on your revolving/charge accounts is 28%. The average proportion of balances to credit limits on revolving/charge accounts carried by U.S. consumers is around 36%. Click here to review your Accounts Summary. And the other: The proportion of balances to credit limits on your revolving/charge accounts is 39%. The average proportion of balances to credit limits on revolving/charge accounts carried by U.S. consumers is around 36%. Click here to review your Accounts Summary.
