At that point in time, your credit utilization ratio is 33.33% ($1,000 / $3,000 = 33.33%). In general, the higher your credit utilization ratio, the worse it is for your credit score.

Book-to-Market Ratio: Definition, Formula, and Uses. How to Calculate the Return on Investment (ROI) of a Marketing Campaign. Cash Disbursement Journal: Definition, How It's Used, and Example.