Your credit utilization ratio, or the amount of available credit you’re using at any given time, is an important factor in your credit score. Second only to your payment history, it counts for ...

That gives you a utilization ratio of 25 percent -- your $250 balance divided by your total $1,000 credit limit. You then close that unused card, eliminating the $500 credit limit associated with ...

Finally, the capacity utilization factor feeds back into scheduling, impacting how flexible the schedule can be and determining whether additional capacity is required.

Your credit utilization ratio, or the amount of available credit you’re using at any given time, is an important factor in your credit score. Second only to your payment history, it counts for ...