What is the debt-to-credit ratio of the Handy Hardware Credit Card?

Step 1: add the amounts of your outstanding balances on your cards

EX: $1500+$1000+$500=$3000

step 2: add the amount of your creedit lines on your cards

EX: $6000+$3500+$2500=$12000

step 3: divide your total debt by your total credit

EX: $3000/$12000=25% or 0.25