Search this IRS doc for “Worksheet 2-1. MAGI for the American Opportunity Credit” to see the MAGI calculation for the purposes of the AOTC. The Lifetime Learning Credit uses the same calculation.

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Let’s say you’ve been managing just fine with a credit limit of Dh5,000. Along comes a Dh10,000 limit. Suddenly, that Dh3,000 gadget or Dh7,000 staycation doesn’t feel out of reach.

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Suppose you have a credit card with the limit of ₹ 50,000 and the outstanding amount is ₹ 20,000. Now increasing the limit to ₹ 100,000 lowers your credit utilisation ratio from 40% to 20% ...

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For example, if you consistently have a balance of RM5,000 on your card, your credit utilisation ratio for a limit of RM12,000 is 42%, while a limit of RM17,000 is only 29%.