What Is Revolving Utilization?






A revolving credit account is an account where your monthly payment is based on your balance, which can change from month to month. Revolving balances can also be paid in full without incurring finance charges, if paid within the the grace period. Revolving utilization, also known as your debt-to-limit ratio or credit utilization, measures the amount of your revolving credit limits that you are currently using. Your revolving utilization is an important part of your credit score.

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