A debt-to-credit ratio is a measure of how much debt you have relative to your available credit. It is calculated by dividing your total debt by your total credit limit. A high debt-to-credit ratio can make it difficult to qualify for new credit and can also lead to higher interest rates on your existing debts.
There are a number of factors that can affect your debt-to-credit ratio, including the amount of debt you have, the amount of credit you have available, and your credit history. If you have a lot of debt and not much credit available, your debt-to-credit ratio will be high. If you have a lot of credit available and not much debt, your debt-to-credit ratio will be low.