cuatro. Lay a goal at under a thirty% borrowing utilization proportion Their credit usage proportion was computed of the dividing your own complete obligations owed by your overall readily available borrowing. Therefore, when you have $3,100 in total borrowing from the bank and then have a combined credit card and loan equilibrium off $800, their credit use speed was % ($800 split up from the $step 3,000). As a whole, the higher the utilization ratio,…