Credit Card EssentialsThe Importance of Keeping a Low Credit Utilization RatioWhen dealing with credit cards, there’s a lot of numbers and figures to keep in mind. One important number to keep track of is the credit utilization ratio, which is the percentage of a cardholder’s total revolving debt (or credit balance) on all of their active credit card accounts, in comparison to their total available credit. For example, if someone has one credit card with a $1,000 limit and a balance of $100, they have a credit utilization ratio of 10%.