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Adam101a

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On credit karma, the best credit Utilization is under %20. What if I have two credit cards, and on each of them I have %15, would the total be %30 utilization ? Or is each card going to be reported separately?

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This would be 15% utilization. It takes the TOTAL debt for all your accounts and divides it by the TOTAL credit available for all your accounts to calculate the utilization.

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