What is my debt to ratio with $36,000. available credit limit and only a $4,000 unpaid balance?

It's your debt to credit ratio and you figure it by dividing your balance of $4,000.00 by your credit limit of $36,000.00 which gives you a usage rate of 11.11%.





This ratio makes up a full 30% of your score.





Any time it's below 30% your in good shape as far as your score goes. And it has nothing to do with your debt to income ratio.|||Im not sure what you mean but if you mean you only used 4,000 dollars of a total of 36,000 available credit your debt to ratio would be 11% if you have used 36,000 of 4,000 your ratio is 900% i think :) hope that helps|||It depends if the credit limit is with a supplier or if it's a line of credit at a bank, that you can borrow against.|||Do you mean debt to income ratio?|||Your debt ratio is the ratio between your total payments and your gross income.





If your gross income is $3,000 per month and your total debt payments (e.g. rent/mortgage, car, credit cards, etc.) are $700 per month, your debt ratio would be 700/3000 or 23.3%.





Most creditors probably would prefer that your debts not exceed 40-45% after a major purchase. Another factor might be your experience in managing payments. If you have never paid more than a $30 month credit card, someone may not see a demonstrated ability to manage a $300 car payment.





Other factors could be job time, address/rental payment history and a demonstrated pattern of savings. After all, if you have 3K a month income and no debts, you should have some savings, right?





Otherwise a creditor might ask themselves; where is all the money going?





I hope this helps.