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You can calculate credit utilization yourself using this formula: Add up the balances on all your credit cards. Add up the credit limits on all your cards. Divide the total balance by the total ...How is your credit card minimum payment calculated?
Credit card minimum payments are usually calculated based on your monthly balance. The minimum payment could be a percentage of your balance, plus new interest and late fees. Or it could be a flat percentage of your entire balance. And in some cases, the minimum payment could include past-due amounts.