Donna has $4$ credit cards, each of which has a $$10000$ credit limit$.$ Currently, she owes $$9500$ across all of the cards. Donna's credit

usage ratio is

$,$ which is

the level needed to drop her credit score.

$23\mathrm{.}75\%$; above.

$$40000$; below.

$23\mathrm{.}75\%$; below.

$50\mathrm{.}00\%$; above.