A debt-to-limit ratio is a measure of how much debt you have compared to how much available credit you have. It's often used by bureaus to determine your credit score. It is also called credit utilization ratio. A high debt-to-limit ratio could indicate that you're close to using up your available credit, and that you may be at risk of defaulting on your loans. A low debt-to-limit ratio, on the other hand, could indicate that you have plenty of room left to take on more debt.
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