Skip to content
Can we use 90% of credit limit?
- Technically, you can use up to 90% of your credit limit, but it’s not advisable.
- Using such a high percentage of your credit limit can negatively impact your credit score.
- It’s best to keep your credit utilization ratio (the amount you’ve spent compared to your total limit) below 30%.
- If you consistently use more than 30%, it might signal to lenders that you’re overly reliant on credit.
- This could make it harder for you to get loans or credit cards in the future.
- If you need to use more than 30% occasionally, try to pay it off quickly to bring your utilization back down.
Apply Now
