5 Ways to Lower Your Credit Utilization Ratio
                     5 Ways to 
Lower Your 
Credit 
Utilization Ratio
© Clix Capital Services Pvt. Ltd. All rights reserved.
What is credit 
utilization? 
It is not a score that will give you a 
friendly credit score. You will have to 
decrease the credit utilization ratio, as 
the ideal one is always below 30%. The 
ideal credit utilization percentage is 
30%, and that gives you a good 
Experian credit score. It is an 
important factor that the loan providers 
will check and, based on this factor, the 
credit score is determined. You must 
work on this to show financial stability 
and credit health. You can do a credit 
score check for free online.
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Strategies to lower credit 
utilization ratio
Automate your payments: Payments need to be 
made on time. You can not afford to delay the 
payment. If you do, you will have high credit 
utilization. If at all you are not paying your bills on 
time and the credit limit will be exhausted. 
Automate your payments, as that is a good option 
for people that lose track of bills and due dates. 
When you automate your payment, the credit is 
automatically debited with the amount that you 
are supposed to pay. 
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A credit score decides 
whether you get credit 
or not
If you have a high credit utilization ratio and 
you feel that you need a good credit score, 
improve it. The credit score comes with a 
balanced and low credit utilization ratio. What 
you can do is pay more than the payment. If 
you have used up a good amount of credit, pay 
more than the minimum balance so that you 
free up the credit availability. This will help you 
with a balanced credit utilization ratio without 
any hurdles. It is easy and will surely help you 
work out things in a better way to get a good 
credit score. 
© Clix Capital Services Pvt. Ltd. All rights reserved. 4
Keep your cards open
For a credit score check free online, you 
need to visit the Clix Capital website. You 
will get the Experian credit score for free 
within a few seconds. It is one of the best 
habits to keep yourself updated about your 
credit behavior and activities. 
© Clix Capital Services Pvt. Ltd. All rights reserved. 5
Thank You
For more information please contact:
Clix Capital Services Private Limited
Email: [email protected]  |  Mobile: 18002009898  
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