Enter your credit cards once. See your utilization per card, your overall rate, and the exact dollar amount to pay to hit each score threshold — 30%, 20%, and 10%. Free, private, instant.
Enter each card's name, credit limit, and current balance. Add as many cards as you have.
The Dashboard shows your rate per card and overall — color-coded green, yellow, or red.
See the exact amount to pay to reach 30%, 20%, and 10% — per card and in total.
The tool flags which card to pay first for the biggest impact on your score.
This tool runs entirely in your browser. No accounts, no bank connections, no data stored anywhere. Everything you enter disappears when you close the tab. GlideFi does not collect, transmit, or store any information you enter here.
Add each credit card below. The name is just for your reference — it never leaves your browser.
No data yet. Enter your cards first to see your utilization breakdown.
Credit utilization is the second biggest factor in your credit score. Here's what you need to understand.
It's the percentage of your available credit that you're currently using. If your card has a $5,000 limit and you have a $1,500 balance, your utilization is 30%. This is calculated both per card and across all cards combined.
Credit utilization makes up roughly 30% of your FICO score — the second largest factor after payment history. High utilization signals to lenders that you may be over-relying on credit, which increases perceived risk.
There are three meaningful cut points: below 30% shows basic discipline, below 20% starts to positively signal financial health, and below 10% is where most people with excellent scores tend to land.
Issuers typically report your balance to credit bureaus once a month — usually on your statement closing date, not your due date. Paying before the statement closes is how you ensure a lower balance gets reported.
Both matter. A single maxed-out card can drag down your score even if your overall utilization looks fine. This is why this tool tracks both — individual card utilization can be a hidden risk.
Utilization is not a running average — it resets every month based on your reported balance. This means reducing your balance this month can improve your score as soon as next month when the lower balance gets reported.