So if you have $500 in credit card debt and a $1,000 total credit limit, your credit utilization ratio is 50 percent. However, if you open another card account, which raises your total credit limit to $2,000, your credit utilization ratio drops to 25 percent, which could help your score.ne factor that helps to determine your score is the amount of debt you have relative to the amount of credit you have, which is called the credit utilization ratio. The less available credit you use -- or the lower your credit utilization rate -- the better.