Credit Utilization Paydown Simulator
Credit-card utilization is one of the few credit factors you can move quickly. Add your cards, see where you sit on the standard tiers, enter what cash you have to apply, and see a credit-optimized payoff order.
Your cards
Utilization: 60.0%
Utilization: 12.0%
Utilization: 5.0%
We will distribute this across your cards highest-utilization-first.
Overall utilization
Under 30% is healthy. Pushing under 10% is where many borrowers see another small lift.
If you apply this cash
Unlikely to move score bands
Utilization tier did not improve. Score-band movement from this paydown alone is unlikely.
Suggested payoff order
Credit-optimized: highest-utilization cards first, with a target of crossing tier thresholds in order.
| Card | Pay | New util. | Tier shift |
|---|---|---|---|
| Card 1 Paydown drops this card from "High" to "Moderate". | $1,000 | 26.7% | HighModerate |
| Card 2 Already in line. Cash is more useful on higher-utilization cards. | $0 | 12.0% | No tier change |
| Card 3 Already in line. Cash is more useful on higher-utilization cards. | $0 | 5.0% | No tier change |
Educational estimate. Not a credit decision, not a loan offer, and not a rate quote. Lender pricing varies.
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