Not just.

Credit card usage doesn’t just look at the current month. Credit card utilization ratio refers to the ratio of the credit card bill balance to the credit card limit. The specific calculation method is to divide the bill balance of the credit card by the credit limit of the credit card and multiply by 100%. The credit card limit is 10,000 yuan and the current bill balance is 3,000 yuan, then the credit card usage rate is 30%.