{"id":6880,"date":"2026-09-07T18:36:56","date_gmt":"2026-09-07T18:36:56","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=6880"},"modified":"2026-09-15T22:29:37","modified_gmt":"2026-09-15T22:29:37","slug":"credit-utilization-calculator","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/credit-utilization-calculator\/","title":{"rendered":"Credit Utilization Calculator"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebApplication\",\n      \"name\": \"Credit Utilization Calculator\",\n      \"url\": \"https:\/\/www.beyondfinance.com\/blog\/credit-utilization-calculator\/\",\n      \"applicationCategory\": \"FinanceApplication\",\n      \"operatingSystem\": \"Any web browser\",\n      \"description\": \"Calculate your credit utilization ratio per card and overall, and see what you would need to pay down to reach 30% or 10%.\",\n      \"offers\": { \"@type\": \"Offer\", \"price\": \"0\", \"priceCurrency\": \"USD\" },\n      \"author\": { \"@type\": \"Organization\", \"name\": \"Beyond Finance\" }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does this calculator use 30% as the target?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"No. It shows what you'd need to pay to reach both 30% and 10%, but it doesn't treat either as pass-or-fail. According to FICO, there's no evidence of a sudden score drop the moment you cross 30% \u2014 the scoring works as a gradient, so any reduction counts and there's no line you have to clear.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Which balance should I enter?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Whatever appeared on your most recent statement. That's the snapshot your issuer sends to the bureaus, so it's the number the scoring models see \u2014 not your live balance today.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What if I don't know my exact credit limit?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Check your statement or your issuer's app; it's listed on both. An estimate will give you an approximate result, but limits are worth getting right, since they're the denominator here and a guess of a few thousand dollars will noticeably shift your answer.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Should I include my mortgage or car loan?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"No \u2014 those are installment debts and they work differently. This tool covers revolving accounts only \u2014 cards and lines of credit.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Why does this show each card separately?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Because that's how FICO evaluates them. A card sitting near its limit can weigh on your score even when your combined figure looks fine, and a single overall percentage would hide that entirely.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Is my card with a zero balance hurting me?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Not at all \u2014 it's helping. An unused card contributes its full limit to your available credit while adding nothing to your balances, which pulls your overall ratio down. That's one reason closing an old card can backfire.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How soon would paying down my balance show up here?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Immediately in this calculator, since it works from what you type. On your actual credit report, it takes until your issuer's next report, which is usually one billing cycle.\"\n          }\n        }\n      ]\n    }\n  ]\n}\n<\/script>\n\n<style>\n.bf-cu-wrap{max-width:700px;margin:0 auto;font-family:Mulish,sans-serif;color:#111}\n.bf-cu-wrap h2{font-size:1.35rem;margin-top:2rem;margin-bottom:.75rem;display:flex;align-items:center;gap:.6rem}\n.bf-cu-wrap h3{font-size:1.1rem;margin-top:1.5rem;margin-bottom:.5rem;display:flex;align-items:center;gap:.6rem}\n.bf-cu-hero{position:relative;overflow:hidden;border-radius:.75rem;padding:1.35rem 1.5rem;margin-bottom:1.5rem;background:linear-gradient(135deg,#042954 0%,#0967d2 60%,#2cb1bc 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svg{width:19px;height:19px}\n.bf-cu-alert p{margin-bottom:.6rem}\n.bf-cu-alert p:last-child{margin-bottom:0}\n.bf-cu-remove-spacer{display:inline-block;flex-shrink:0;min-width:44px;min-height:44px}\n<\/style>\n<div class=\"bf-cu-wrap\">\n\n  <div class=\"bf-cu-hero\">\n    <div class=\"bf-cu-hero-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><path d=\"M6 14.5h4\"\/><\/svg><\/div>\n    <span class=\"bf-cu-kicker\">Beyond Finance &middot; Financial Wellness Tools<\/span>\n  <\/div>\n\n  <div class=\"bf-cu-intro\">\n    <p>Credit utilization compares what you owe on your cards to what those cards let you borrow. It&#8217;s the second most influential factor in your credit score after payment history, and the fastest to change.<\/p>\n    <p>This calculator shows your ratio on each card and across all of them, and tells you what you&#8217;d need to pay down to reach a given level.<\/p>\n  <\/div>\n\n  <div class=\"bf-cu-card\">\n    <div class=\"bf-cu-color-strip\"><span style=\"background:#0967d2\"><\/span><span style=\"background:#da127d\"><\/span><span style=\"background:#2cb1bc\"><\/span><\/div>\n\n    <div class=\"bf-cu-group-heading\">\n      <span class=\"bf-cu-icon-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span>\n      <strong>Your cards<\/strong>\n    <\/div>\n    <p class=\"bf-cu-rows-intro\">Enter the balance and credit limit for each of your credit cards. Use the balance that appears on your statement, not what&#8217;s currently pending &mdash; that&#8217;s the figure your issuer reports.<\/p>\n\n      <div class=\"bf-cu-row bf-visible\" id=\"bf-cu-row-1\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-1\">Card 1<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-1\">&mdash;<\/span>\n          <span class=\"bf-cu-remove-spacer\" aria-hidden=\"true\"><\/span>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-1\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-1\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-1\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-1\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row bf-visible\" id=\"bf-cu-row-2\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-2\">Card 2<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-2\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(2)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-2\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-2\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-2\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-2\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row bf-visible\" id=\"bf-cu-row-3\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-3\">Card 3<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-3\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(3)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-3\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-3\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-3\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-3\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-4\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-4\">Card 4<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-4\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(4)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-4\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-4\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-4\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-4\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-5\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-5\">Card 5<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-5\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(5)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-5\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-5\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-5\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-5\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-6\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-6\">Card 6<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-6\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(6)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-6\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-6\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-6\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-6\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-7\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-7\">Card 7<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-7\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(7)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-7\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-7\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-7\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-7\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-8\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-8\">Card 8<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-8\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(8)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-8\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-8\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-8\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-8\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-9\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-9\">Card 9<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-9\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(9)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-9\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-9\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-9\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-9\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-10\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-10\">Card 10<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-10\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(10)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-10\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-10\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-10\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-10\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-11\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-11\">Card 11<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-11\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(11)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-11\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-11\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-11\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-11\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-12\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-12\">Card 12<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-12\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(12)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-12\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-12\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-12\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-12\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-13\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-13\">Card 13<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-13\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(13)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-13\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-13\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-13\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-13\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-14\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-14\">Card 14<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-14\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(14)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-14\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-14\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-14\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-14\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-15\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-15\">Card 15<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-15\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(15)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-15\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-15\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-15\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-15\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-16\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-16\">Card 16<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-16\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(16)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-16\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-16\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-16\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-16\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-17\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-17\">Card 17<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-17\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(17)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-17\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-17\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-17\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-17\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-18\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-18\">Card 18<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-18\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(18)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-18\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-18\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-18\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-18\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-19\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-19\">Card 19<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-19\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(19)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-19\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-19\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-19\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-19\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-cu-row\" id=\"bf-cu-row-20\">\n        <div class=\"bf-cu-row-head\">\n          <span class=\"bf-cu-row-name\"><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span><span id=\"bf-cu-name-20\">Card 20<\/span><\/span>\n          <span class=\"bf-cu-row-pct\" id=\"bf-cu-pct-20\">&mdash;<\/span>\n          <button type=\"button\" class=\"bf-cu-remove\" onclick=\"window.bfCuRemove(20)\" aria-label=\"Remove this card\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 6h18\"\/><path d=\"M8 6V4h8v2\"\/><path d=\"M6 6l1 14h10l1-14\"\/><path d=\"M10 11v5M14 11v5\"\/><\/svg><\/button>\n        <\/div>\n        <div class=\"bf-cu-row-fields\">\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-bal-20\">Balance<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-bal-20\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n          <div class=\"bf-cu-row-field\">\n            <label for=\"bf-cu-lim-20\">Credit limit<\/label>\n            <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-cu-lim-20\" placeholder=\"$0\" oninput=\"window.bfCuFormat(this); window.bfCuRender()\">\n          <\/div>\n        <\/div>\n      <\/div>\n\n    <div class=\"bf-cu-addwrap\">\n      <button type=\"button\" class=\"bf-cu-add\" id=\"bf-cu-add\" onclick=\"window.bfCuAdd()\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5v14M5 12h14\"\/><\/svg>Add another card<\/button>\n    <\/div>\n\n    <p class=\"bf-cu-helper\">Include credit cards, store cards, and personal lines of credit. Leave out auto loans, mortgages, and student loans &mdash; those are installment debts and don&#8217;t affect utilization.<\/p>\n\n    <div class=\"bf-cu-reassurance\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"10\" width=\"16\" height=\"10\" rx=\"2\"\/><path d=\"M8 10V7a4 4 0 0 1 8 0v3\"\/><\/svg><span>Nothing you enter is saved or sent anywhere.<\/span><\/div>\n  <\/div>\n\n  <div class=\"bf-cu-results\" id=\"bf-cu-results\">\n    <div class=\"bf-cu-card\">\n\n      <div class=\"bf-cu-banner\">\n        <div class=\"bf-cu-banner-icon\" id=\"bf-cu-banner-icon\"><\/div>\n        <div class=\"bf-cu-banner-value\"><span id=\"bf-cu-value\">0.0<\/span><span class=\"bf-cu-unit\">%<\/span><\/div>\n        <div class=\"bf-cu-banner-caption\">your overall credit utilization<\/div>\n        <div class=\"bf-cu-banner-sub\"><span id=\"bf-cu-totbal\">$0<\/span> in balances against <span id=\"bf-cu-totlim\">$0<\/span> in available credit<\/div>\n      <\/div>\n\n      <div class=\"bf-cu-scale\">\n        <div class=\"bf-cu-scale-track\">\n          <div class=\"bf-cu-scale-fill\" id=\"bf-cu-fill\"><\/div>\n          <div class=\"bf-cu-scale-pointer\" id=\"bf-cu-pointer\"><\/div>\n          <div class=\"bf-cu-scale-tick\" style=\"left:10%\"><\/div>\n          <div class=\"bf-cu-scale-tick\" style=\"left:30%\"><\/div>\n          <div class=\"bf-cu-scale-label\" style=\"left:10%\">10<\/div>\n          <div class=\"bf-cu-scale-label\" style=\"left:30%\">30<\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"bf-cu-interp\" id=\"bf-cu-interp\"><div id=\"bf-cu-interp-copy\"><\/div><\/div>\n\n      <div class=\"bf-cu-alert\" id=\"bf-cu-alert\">\n        <div class=\"bf-cu-alert-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 3l10 18H2z\"\/><path d=\"M12 9v5\"\/><path d=\"M12 17h.01\"\/><\/svg><\/div>\n        <div id=\"bf-cu-alert-copy\"><\/div>\n      <\/div>\n\n      <div class=\"bf-cu-routing\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 11v5\"\/><path d=\"M12 8h.01\"\/><\/svg> Want the full picture &mdash; how utilization is scored, what counts, and why the 30% rule isn&#8217;t what you&#8217;ve been told? See <a href=\"https:\/\/www.beyondfinance.com\/blog\/what-is-credit-utilization\/\">what is credit utilization<\/a>.<\/div>\n\n      <div class=\"bf-cu-routing bf-cu-routing-alt\" id=\"bf-cu-routing-alt\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 11v5\"\/><path d=\"M12 8h.01\"\/><\/svg> If your balances have been climbing faster than you can pay them down, <a href=\"https:\/\/www.beyondfinance.com\/blog\/why-is-my-credit-score-going-down\/\">why is my credit score going down<\/a> covers what&#8217;s driving it and how quickly it recovers.<\/div>\n\n      <div class=\"bf-cu-paydown\" id=\"bf-cu-paydown\">\n        <h3><span class=\"bf-cu-icon-chip bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><path d=\"M3 3v18h18\"\/><path d=\"M7 15l4-4 3 3 5-6\"\/><\/svg><\/span>What it would take to move it<\/h3>\n        <div id=\"bf-cu-paydown-body\"><\/div>\n      <\/div>\n\n      <div class=\"bf-cu-cta\" id=\"bf-cu-cta\">\n        <div class=\"bf-cu-cta-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><path d=\"M5 5l4 4M19 5l-4 4M5 19l4-4M19 19l-4-4\"\/><\/svg><\/div>\n        <div>A ratio this high usually means the balances have outgrown what monthly payments can bring down, with interest pushing them back up between payments. At that point the score isn&#8217;t really the issue &mdash; the balances are. Understanding what can be done about them costs nothing, and you can <a href=\"https:\/\/www.beyondfinance.com\/free-evaluation\/\">start here<\/a>.<\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n  <div class=\"bf-cu-onecard\">\n    <h3><span class=\"bf-cu-icon-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 8v5\"\/><path d=\"M12 16h.01\"\/><\/svg><\/span>Why one card can matter more than your total<\/h3>\n    <p>Most people check their overall utilization and stop there. But FICO looks at each card individually as well as your combined figure, which means the two can tell very different stories.<\/p>\n    <p>Say you have three cards. One has a $500 balance on a $10,000 limit. Another has $400 on $8,000. The third has $950 on a $1,000 limit. Your overall utilization is about 10%, which looks excellent &mdash; but that third card is at 95%, and it&#8217;s scored on its own.<\/p>\n    <p>This is why paying down your largest balances doesn&#8217;t always move your score the way you&#8217;d expect. The card doing the damage may be a small one you weren&#8217;t thinking about.<\/p>\n  <\/div>\n\n  <div class=\"bf-cu-below\">\n    <h2><span class=\"bf-cu-icon-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"3\"\/><path d=\"M19.4 15a1.7 1.7 0 0 0 .3 1.9l.1.1a2 2 0 1 1-2.8 2.8l-.1-.1a1.7 1.7 0 0 0-1.9-.3 1.7 1.7 0 0 0-1 1.5V21a2 2 0 1 1-4 0v-.1a1.7 1.7 0 0 0-1-1.6 1.7 1.7 0 0 0-1.9.3l-.1.1a2 2 0 1 1-2.8-2.8l.1-.1a1.7 1.7 0 0 0 .3-1.9 1.7 1.7 0 0 0-1.5-1H3a2 2 0 1 1 0-4h.1a1.7 1.7 0 0 0 1.6-1 1.7 1.7 0 0 0-.3-1.9l-.1-.1a2 2 0 1 1 2.8-2.8l.1.1a1.7 1.7 0 0 0 1.9.3H9a1.7 1.7 0 0 0 1-1.5V3a2 2 0 1 1 4 0v.1a1.7 1.7 0 0 0 1 1.5 1.7 1.7 0 0 0 1.9-.3l.1-.1a2 2 0 1 1 2.8 2.8l-.1.1a1.7 1.7 0 0 0-.3 1.9V9a1.7 1.7 0 0 0 1.5 1H21a2 2 0 1 1 0 4h-.1a1.7 1.7 0 0 0-1.5 1z\"\/><\/svg><\/span>How credit utilization works<\/h2>\n    <p><strong>It&#8217;s balances against limits, nothing else.<\/strong> Your income doesn&#8217;t factor in. Neither does how much you pay each month. Utilization is a snapshot of what you owe relative to what you&#8217;re allowed to borrow.<\/p>\n    <p><strong>Only revolving balances count.<\/strong> That means credit cards, store cards, and personal lines of credit &mdash; the kind of account where paying it off frees the credit back up for reuse. Auto loans, mortgages, student loans, and personal loans are installment debts: they have a fixed balance that only goes down, no limit to measure against, and no effect on this number at all. It&#8217;s why a $30,000 car loan does nothing to your utilization while a $3,000 card balance can move it noticeably.<\/p>\n    <p><strong>Both numbers matter &mdash; each card and the total.<\/strong> FICO looks at your overall ratio and at your individual cards. One card near its limit can affect your score even if your combined utilization looks fine.<\/p>\n    <p><strong>Your utilization is only measured once a month.<\/strong> Your card issuer sends one balance figure to the bureaus each cycle, and it&#8217;s typically taken when your statement closes &mdash; not when your payment is due. So the number that counts isn&#8217;t your balance today; it&#8217;s whatever it was on that date.<\/p>\n\n    <h2><span class=\"bf-cu-icon-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>FAQ<\/h2>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Does this calculator use 30% as the target?<\/h3>\n      <p>No. It shows what you&#8217;d need to pay to reach both 30% and 10%, but it doesn&#8217;t treat either as pass-or-fail. According to FICO, there&#8217;s no evidence of a sudden score drop the moment you cross 30% &mdash; the scoring works as a gradient, so any reduction counts and there&#8217;s no line you have to clear.<\/p>\n    <\/div>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Which balance should I enter?<\/h3>\n      <p>Whatever appeared on your most recent statement. That&#8217;s the snapshot your issuer sends to the bureaus, so it&#8217;s the number the scoring models see &mdash; not your live balance today.<\/p>\n    <\/div>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>What if I don&#8217;t know my exact credit limit?<\/h3>\n      <p>Check your statement or your issuer&#8217;s app; it&#8217;s listed on both. An estimate will give you an approximate result, but limits are worth getting right, since they&#8217;re the denominator here and a guess of a few thousand dollars will noticeably shift your answer.<\/p>\n    <\/div>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Should I include my mortgage or car loan?<\/h3>\n      <p>No &mdash; those are installment debts and they work differently. This tool covers revolving accounts only &mdash; cards and lines of credit.<\/p>\n    <\/div>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-warning text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Why does this show each card separately?<\/h3>\n      <p>Because that&#8217;s how FICO evaluates them. A card sitting near its limit can weigh on your score even when your combined figure looks fine, and a single overall percentage would hide that entirely.<\/p>\n    <\/div>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Is my card with a zero balance hurting me?<\/h3>\n      <p>Not at all &mdash; it&#8217;s helping. An unused card contributes its full limit to your available credit while adding nothing to your balances, which pulls your overall ratio down. That&#8217;s one reason closing an old card can backfire.<\/p>\n    <\/div>\n    <div class=\"bf-cu-faq-item\">\n      <h3><span class=\"bf-cu-icon-chip bf-cu-icon-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-cu-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>How soon would paying down my balance show up here?<\/h3>\n      <p>Immediately in this calculator, since it works from what you type. On your actual credit report, it takes until your issuer&#8217;s next report, which is usually one billing cycle.<\/p>\n    <\/div>\n    <div class=\"bf-cu-disclosure\">\n      <p><strong>About this calculator.<\/strong> This tool is provided as a general educational resource. Results are estimates based only on the figures you enter, and credit scoring models weigh many factors beyond utilization. This is not a credit score, a prediction of your score, or an approval or denial of credit.<\/p>\n      <p>The information on this site is provided as a general resource and does not constitute legal, tax, credit management, or financial advice. While Beyond Finance strives to ensure accuracy, this content, including any third-party sources referenced, should not be the basis for any financial decision. For guidance specific to your situation, we recommend consulting a qualified professional.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<script>\nvar BF_CU_MAX = 20;\nfunction bfCuAddCommas(intPart) {\n  return intPart.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \",\");\n}\nfunction bfCuDigitsBefore(str, pos) {\n  var count = 0;\n  var i = 0;\n  while (i < pos) {\n    var ch = str.charAt(i);\n    if (ch >= \"0\") {\n      if (ch <= \"9\") { count = count + 1; }\n    }\n    if (ch === \".\") { count = count + 1; }\n    i = i + 1;\n  }\n  return count;\n}\nwindow.bfCuFormat = function (el) {\n  var raw = el.value;\n  var caret = el.selectionStart;\n  if (caret === null) { caret = raw.length; }\n  var wanted = bfCuDigitsBefore(raw, caret);\n  var cleaned = raw.replace(\/[^0-9.]\/g, \"\");\n  var firstDot = cleaned.indexOf(\".\");\n  if (firstDot !== -1) {\n    var head = cleaned.slice(0, firstDot + 1);\n    var tail = cleaned.slice(firstDot + 1).replace(\/\\.\/g, \"\");\n    cleaned = head + tail;\n  }\n  if (cleaned === \"\") { el.value = \"\"; return; }\n  var parts = cleaned.split(\".\");\n  var decPart = \"\";\n  if (parts.length > 1) { decPart = parts[1].slice(0, 2); }\n  var formatted = bfCuAddCommas(parts[0]);\n  if (parts.length > 1) { formatted = formatted + \".\" + decPart; }\n  el.value = formatted;\n  var newPos = 0;\n  var seen = 0;\n  while (newPos < formatted.length) {\n    if (seen >= wanted) { break; }\n    if (formatted.charAt(newPos) !== \",\") { seen = seen + 1; }\n    newPos = newPos + 1;\n  }\n  el.setSelectionRange(newPos, newPos);\n};\nfunction bfCuVal(id) {\n  var el = document.getElementById(id);\n  if (!el) { return null; }\n  var raw = el.value.replace(\/,\/g, \"\").trim();\n  if (raw === \"\") { return null; }\n  var v = parseFloat(raw);\n  if (isNaN(v)) { return null; }\n  if (v < 0) { return null; }\n  return v;\n}\nfunction bfCuMoney(n) {\n  return \"$\" + Math.round(n).toLocaleString(\"en-US\");\n}\nfunction bfCuPct(n) {\n  return n.toFixed(1);\n}\nfunction bfCuBand(u) {\n  if (u < 10) { return \"low\"; }\n  if (u < 30) { return \"ok\"; }\n  if (u < 50) { return \"mid\"; }\n  return \"high\";\n}\nfunction bfCuBandIcon(band) {\n  if (band === \"low\") { return \"<svg viewBox=\\\"0 0 24 24\\\" fill=\\\"none\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\" stroke-linejoin=\\\"round\\\" width=\\\"22\\\" height=\\\"22\\\"><circle cx=\\\"12\\\" cy=\\\"12\\\" r=\\\"9\\\"\/><path d=\\\"M8 14s1.5 2 4 2 4-2 4-2\\\"\/><path d=\\\"M9 9h.01M15 9h.01\\\"\/><\/svg>\"; }\n  if (band === \"ok\") { return \"<svg viewBox=\\\"0 0 24 24\\\" fill=\\\"none\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\" stroke-linejoin=\\\"round\\\" width=\\\"22\\\" height=\\\"22\\\"><circle cx=\\\"12\\\" cy=\\\"12\\\" r=\\\"9\\\"\/><path d=\\\"M8 14s1.5 2 4 2 4-2 4-2\\\"\/><path d=\\\"M9 9h.01M15 9h.01\\\"\/><\/svg>\"; }\n  if (band === \"mid\") { return \"<svg viewBox=\\\"0 0 24 24\\\" fill=\\\"none\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\" stroke-linejoin=\\\"round\\\" width=\\\"22\\\" height=\\\"22\\\"><circle cx=\\\"12\\\" cy=\\\"12\\\" r=\\\"9\\\"\/><path d=\\\"M8 15h8\\\"\/><path d=\\\"M9 9h.01M15 9h.01\\\"\/><\/svg>\"; }\n  return \"<svg viewBox=\\\"0 0 24 24\\\" fill=\\\"none\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\" stroke-linejoin=\\\"round\\\" width=\\\"22\\\" height=\\\"22\\\"><path d=\\\"M12 3l10 18H2z\\\"\/><path d=\\\"M12 9v5\\\"\/><path d=\\\"M12 17h.01\\\"\/><\/svg>\";\n}\nfunction bfCuInterpCopy(u, allZero) {\n  if (allZero) {\n    return \"Zero isn't the goal, which surprises people. 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}\n  var fill = document.getElementById(\"bf-cu-fill\");\n  fill.className = \"bf-cu-scale-fill bf-band-\" + band;\n  fill.style.width = fillPct + \"%\";\n  var pointer = document.getElementById(\"bf-cu-pointer\");\n  pointer.className = \"bf-cu-scale-pointer bf-band-\" + band;\n  pointer.style.left = fillPct + \"%\";\n  var interp = document.getElementById(\"bf-cu-interp\");\n  interp.className = \"bf-cu-interp bf-band-\" + band;\n  document.getElementById(\"bf-cu-interp-copy\").innerHTML = \"<p>\" + bfCuInterpCopy(overall, allZero) + \"<\/p>\";\n  var altRoute = document.getElementById(\"bf-cu-routing-alt\");\n  if (overall > 30) {\n    altRoute.classList.add(\"bf-active\");\n  } else {\n    altRoute.classList.remove(\"bf-active\");\n  }\n  var ctaEl = document.getElementById(\"bf-cu-cta\");\n  if (overall > 70) {\n    ctaEl.classList.add(\"bf-active\");\n  } else {\n    ctaEl.classList.remove(\"bf-active\");\n  }\n  var alertCard = bfCuRenderAlert(cards, overall);\n  bfCuRenderPaydown(cards, totalBalance, totalLimit, overall, alertCard);\n};\nfunction bfCuRenderAlert(cards, overall) {\n  var box = document.getElementById(\"bf-cu-alert\");\n  var copyEl = document.getElementById(\"bf-cu-alert-copy\");\n  var flagged = [];\n  var i = 0;\n  while (i < cards.length) {\n    var c = cards[i];\n    if (c.per >= 90) {\n      if (c.per - overall >= 30) { flagged.push(c); }\n    }\n    i = i + 1;\n  }\n  if (flagged.length === 0) {\n    box.classList.remove(\"bf-active\");\n    return null;\n  }\n  var top = flagged[0];\n  var k = 1;\n  while (k < flagged.length) {\n    if (flagged[k].per > top.per) { top = flagged[k]; }\n    k = k + 1;\n  }\n  var label = document.getElementById(\"bf-cu-name-\" + top.idx).textContent;\n  var target = 0.30 * top.lim;\n  var html = \"\";\n  if (flagged.length === 1) {\n    html = \"<p><strong>\" + label + \" is at \" + bfCuPct(top.per) + \"%.<\/strong><\/p>\";\n  } else {\n    html = \"<p><strong>\" + flagged.length + \" of your cards are close to their limits, the highest being \" +\n           label + \" at \" + bfCuPct(top.per) + \"%.<\/strong><\/p>\";\n  }\n  html = html + \"<p>FICO looks at your individual cards as well as your total, so a card sitting near its limit can weigh on your score even when the combined number looks fine. Your overall utilization is \" +\n         bfCuPct(overall) + \"%.<\/p>\";\n  html = html + \"<p>Paying \" + label + \" down to <strong>\" + bfCuMoney(target) +\n         \"<\/strong> would bring that card under 30%.<\/p>\";\n  copyEl.innerHTML = html;\n  box.classList.add(\"bf-active\");\n  return top;\n}\nfunction bfCuRenderPaydown(cards, totalBalance, totalLimit, overall, alertCard) {\n  var box = document.getElementById(\"bf-cu-paydown\");\n  var body = document.getElementById(\"bf-cu-paydown-body\");\n  if (overall <= 10) {\n    box.classList.remove(\"bf-active\");\n    return;\n  }\n  var pay30 = totalBalance - (0.30 * totalLimit);\n  var pay10 = totalBalance - (0.10 * totalLimit);\n  var highest = cards[0];\n  var k = 1;\n  while (k < cards.length) {\n    if (cards[k].per > highest.per) { highest = cards[k]; }\n    k = k + 1;\n  }\n  var formA = false;\n  if (cards.length >= 2) {\n    if (highest.per - overall >= 15) { formA = true; }\n  }\n  if (alertCard !== null) {\n    if (alertCard.idx === highest.idx) { formA = false; }\n  }\n  var html = \"\";\n  if (formA) {\n    var cardLabel = document.getElementById(\"bf-cu-name-\" + highest.idx).textContent;\n    var targetBalance = 0.30 * highest.lim;\n    html = html + \"<p><strong>Start with \" + cardLabel + \".<\/strong> It's at \" + bfCuPct(highest.per) +\n           \"%, well above your overall \" + bfCuPct(overall) +\n           \"%. FICO looks at your individual cards as well as your total, so a card sitting near its limit can weigh on your score even when the combined number looks fine.<\/p>\";\n    if (highest.per > 30) {\n      html = html + \"<p>Paying \" + cardLabel + \" down to <strong>\" + bfCuMoney(targetBalance) +\n             \"<\/strong> would bring that card under 30%.<\/p>\";\n    }\n    var agg = \"\";\n    if (pay30 > 0) {\n      agg = \"<strong>Across all your cards<\/strong>, reaching 30% overall would take <strong>\" +\n            bfCuMoney(pay30) + \"<\/strong> in total paydown.\";\n      if (pay10 > 0) {\n        agg = agg + \" Reaching 10% would take <strong>\" + bfCuMoney(pay10) + \"<\/strong>.\";\n      }\n    } else {\n      if (pay10 > 0) {\n        agg = \"<strong>Across all your cards<\/strong>, reaching 10% overall would take <strong>\" +\n              bfCuMoney(pay10) + \"<\/strong> in total paydown.\";\n      }\n    }\n    if (agg !== \"\") { html = html + \"<p>\" + agg + \"<\/p>\"; }\n  } else {\n    var rows = \"\";\n    if (pay30 > 0) {\n      rows = rows + \"<tr><td>30% overall<\/td><td>\" + bfCuMoney(pay30) + \"<\/td><\/tr>\";\n    }\n    if (pay10 > 0) {\n      rows = rows + \"<tr><td>10% overall<\/td><td>\" + bfCuMoney(pay10) + \"<\/td><\/tr>\";\n    }\n    if (rows === \"\") {\n      box.classList.remove(\"bf-active\");\n      return;\n    }\n    html = \"<table class=\\\"bf-cu-paytable\\\"><thead><tr><th>To reach<\/th><th style=\\\"text-align:right\\\">Pay down<\/th><\/tr><\/thead><tbody>\" +\n           rows + \"<\/tbody><\/table>\";\n  }\n  body.innerHTML = html;\n  box.classList.add(\"bf-active\");\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Enter the balance and limit for each of your cards to see your utilization ratio \u2014 on every card individually and across all of them together. 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