Ozzie has a Visa with a $2000 limit and a balance of $450; a store credit card with a $500 limit and a $200 balance; and a joint card with his mom with a $5000 limit and a $700 balance.

What’s Ozzie’s credit utilization on:
a. His Visa?

b. His store credit card?

c. The joint card with his mom?



What’s Ozzie’s overall credit utilization?


Ozzie works extra hours one week and receives an extra $75 in his paycheck. Which debt should he put that money toward? Why?