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Glossary and terms about credit cardsHome » Credit Card Glossary
Debt-to-limit ratio
A debt-to-limit ratio is used in the calculation of credit scores. It compares the amount of credit being used to the total credit available to the borrower. Having a low ratio -- in other words, not much debt but a lot of available credit -- is good for your credit score. Also known as a balance-to-limit ratio and credit utilization ratio.