The total debt that Frances carries is $ 2,355 and she has a total credit limit of $ 5,000 ; her partner Jeremy has a total debt of $ 3,465 and his total credit limit is $ 8,000 . Find Frances' debt-to-credit ratio. Express this ratio as a decimal. Round to the nearest thousandth. Then find Jeremy's debt-to-credit ratio. Express this ratio as a decimal. Round to the nearest thousandth. Who has the higher debt-to-credit ratio? (Frances or Jeremy) Provide your answer below: Frances' debt-to-credit ratio: Jeremy's debt-to-credit ratio: The higher debt-to-credit ratio belongs to: