Credit Cards

Your Debt-to-Income (DTI) ratio is the single most important number lenders look at when deciding whether to approve your loan — and at what interest rate. This guide explains the exact formula, what lenders consider a good DTI, and the fastest legal strategies to lower yours.

Credit cards charge 20–29% APR in most markets. Personal loans often come in at 8–15%. But the math is not always that simple — minimum payments, promotional rates, and fees change the outcome. Here is a real comparison with actual numbers.