A low credit utilisation ratio (under 30 percent) is typically considered good for your credit score. You should aim for below 10 percent as it shows banks that you are using credit responsibly without over-relying on it.

​A low credit utilisation ratio (under 30 percent) is typically considered good for your credit score. You should aim for below 10 percent as it shows banks that you are using credit responsibly without over-relying on it.