What is Debt-to-Credit (DTC) Ratio?

A brief explanation of debt-to-credit ratio and how it is calculated.

Debt-to-Credit ratio (DTC) - details your total amount of outstanding credit card debt. Also referred to as the debt utilization ratio.

Calculate: take your total credit card balance and divide it by your total available credit limit. The outcome, a percentage (%), highlights your level of debt consumption. The lower the percentage, the smaller your debt margin and the more likely you are to receive additional credit and credit line increases.