What is the debt to credit limit ratio for the following individual?

Question 15 2 pts What is the debt to credit limit ratio for the following individual? Visa Card Master Card Credit Limit Balance Due $20,000 $18,000 $2,000 $30,000 $12,000 $18,000 Available Credit O 40%, and increasing this ratio will help the credit score. 40%, and decreasing this ratio will help the credit score 60%, and increasing this ratio will help the credit score 60%, and decreasing this ratio will help the credit score