Credit Utilization Calculator
From total used and total credit limit, compute the credit utilization rate and the remaining available credit.
輸入資料
計算結果
重點速覽：Credit utilization = total used / total limit x 100%. It is a key credit-score factor: lower means less reliance on credit; guides suggest below 30%. Bands: 0-9% excellent, 10-29% good, 30-49% fair, 50-74% poor, 75-100% very poor. Available credit = limit - used. Lenders look at both overall and per-card utilization. WARNING: The score is built by bureaus (TransUnion in HK) from many factors; this is one. Education, not advice.
計算公式
信用卡使用率 = 總已用金額 ÷ 總信用額度 × 100%。
尚可使用的餘額 = 總信用額度 − 總已用金額。
$$信用卡使用率：$U=\dfrac{TotalUsed}{TotalLimit}\times100\%$$$$$尚可使用餘額：$Available = TotalLimit - TotalUsed$$$$$示例：$\dfrac{5{,}000}{15{,}000}\times100\%\approx33.33\%$$$使用說明
- Sum all card balances into total used.
- Sum all card limits into total limit.
- Check the overall utilization stays below 30%.
信用卡使用率的參考評級
| 使用率區間 | 評級 | 示例 (已用 / 額度) |
|---|---|---|
| 0–9% | 極佳 | 900 / 10,000 = 9% |
| 10–29% | 良好 | 500 / 2,000 = 25% |
| 30–49% | 一般 | 5,000 / 15,000 ≈ 33.33% |
| 50–74% | 偏差 | — |
| 75–100% | 極差 | 3,000 / 4,000 = 75% |
理財情境案例
案例一：三張卡的整體使用率
某人持有三張信用卡，結欠分別為 HK$1,400、HK$1,100、HK$2,500 (合計 HK$5,000);信用額分別為 HK$4,000、HK$4,000、HK$7,000 (合計 HK$15,000)。
整體使用率 = 5,000 ÷ 15,000 × 100% ≈ 33.33%；尚可使用餘額 = 15,000 − 5,000 = HK$10,000。
解讀：整體使用率約 33.33%，略高於建議的 30% 門檻，屬『一般』評級。雖然還有 HK$10,000 額度可用，但若想改善信貸表現，可考慮在結單日前多還一點，把整體使用率壓到 30% 以下的『良好』區間。
案例二：提高信用額如何改善使用率
某人單卡結欠 HK$3,000，原信用額 HK$5,000，使用率 = 3,000 ÷ 5,000 = 60% (偏差)。他向銀行成功申請把信用額提高到 HK$10,000，結欠不變。
提額後使用率 = 3,000 ÷ 10,000 = 30%。
解讀：在不增加負債的前提下，單靠提高信用額度，就把使用率由 60% 大幅降到 30%，評級由『偏差』改善到接近『良好』。這是改善使用率的常見方法之一。不過要注意：提高額度後切忌因『額度變多』而增加消費，否則使用率又會回升；且申請提額有時涉及信貸查詢，宜審慎為之。
常見問題
What utilization is healthy?
Guides commonly suggest below 30%. Bands: 0-9% excellent, 10-29% good, 30-49% fair, 50-74% poor, 75-100% very poor. Lower favors your score.
What does high utilization do?
It signals heavy reliance on credit and can lower your score, hurting later loan/mortgage approvals and the rates offered.
How do I lower utilization?
Pay early, spread spending across cards, request a limit increase, or avoid maxing a single card. Consistent on-time full payment also helps overall credit.
Do I look at one card or all cards combined?
Both matter. Bureaus look at overall utilization (total balance / total limit) and per-card utilization. Even if overall is low, maxing one card (e.g. 95%) is a negative signal. This tool computes the overall rate; keep both low by spreading spending.
Is utilization the only score factor?
No. In Hong Kong, TransUnion builds the score from many factors: payment history (most important — on-time, in-full, no defaults), credit history length, enquiry count (many recent applications look risky), credit mix, and total debt. Keeping utilization low helps but is not sufficient; the foundation is on-time full payment and disciplined applications.
相關工具
參考資料
內容審核：香港計算器財經團隊。計算邏輯與公式參考香港金融管理局（HKMA）及投資者及理財教育委員會（IFEC）之個人理財計算指引，結果僅供參考，實際以相關機構公佈為準。