What it means
How much of your total credit limits you are using. Lower usage generally supports a better score.
Credit Score
Credit Utilization
How much of your total credit limits you are using. Lower usage generally supports a better score.
CategoryCredit Score
Pro tip inside1 quick win
What “Credit Utilization” really means
The meaning, how it works in the UAE, and why it matters to your money.
How it works in the UAE
Credit utilization is how much of your total card limits you're using. Using a small share of your limits generally looks better to lenders.
Why it matters
High utilization can suggest you rely on credit and may weigh on your score.
EXAMPLE
AED 9,000 used of AED 30,000 limits = 30% utilization.
PRO TIPTry to keep balances under about 30% of your limits.
Test yourself
Which of these best describes Credit Utilization? Tap an answer.
Read more about Credit Utilization
Guides that use this term — and a tool to put it into practice.
