"Credit Utilization Rate"= the amount you spent/ your total credit limit
Suppose you have Credit Card A and Credit Card B, and their credit limit is HK$10,000 and HK$20,000 respectively. And you spent HK$4,000 on Credit Card A and another HK$5,000 on Credit Card B. Your "Credit Utilization Rate" will be (4,000 + 5,000 ) / (10,000 + 20,000 ) x100% = 30%.
1. Only active credit cards are counted.
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