If the calculated debt exceeds 70%, even if the debt is high, it will be considered as normal debt within 50%. High credit card debt ratio will reduce our comprehensive score in the banking system. Comprehensive score is an important reference factor for banks to approve loans and cards. If the comprehensive score is insufficient, it will lead to rejection.

Personal credit report has a detailed record of credit business, such as the total credit line and total usage line of credit cards and loans, in which the total credit line includes credit card line. We can calculate the total debt ratio of credit card in the current period according to the total credit line of credit card and the monthly bill amount of credit card.