Real ChatGPT answer · index seedOljVeAkcdagcompleteFinance and banking · credit cardsbrand

Can you explain how credit utilization ratios work and what percentage I should aim to keep my balances at while on social security?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you explain how credit utilization ratios work and what percentage I should aim to keep my balances at while on social security?
2 real searches · 1 real-search pass
CFPB credit card balance utilization credit score percentage utilization official guidanceGoogle ↗
OBSERVED
FICO amounts owed credit utilization ratio statement balance reported officialGoogle ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
CFPB credit card balance utilization credit score percentage utilization official guidance Google ↗
FICO amounts owed credit utilization ratio statement balance reported official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
CFPB credit card balance utilization credit score percentage utilization official guidance
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
FICO amounts owed credit utilization ratio statement balance reported official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1