FiZ Score: Which Credit Card Is Hurting You Most

FiZ Score (Finance impact Zone) is a per-card severity score developed by Bubbleverse. It measures how much each credit card is quietly costing you by combining APR pressure, credit utilization, and how much of your payment goes to interest. The card with the highest FiZ Score is the one to pay off first.

What FiZ Looks At

  • How your payment compares to interest — if most is eaten by interest, you're barely moving
  • How much of your credit limit you're using — high utilization means less room to breathe
  • How expensive the debt is — 42%+ APR means the clock is always running against you

Score Ranges

  • 0–20: Healthy — payment meaningfully outpaces interest
  • 21–40: Manageable — interest taking a meaningful share
  • 41–60: Warning — significant portion lost to interest
  • 61–80: Deep Trap — most payments feed interest
  • 81–100: Critical — debt growing or barely shrinking

Frequently Asked Questions

What is a FiZ Score?
FiZ Score (Finance impact Zone) is a per-card severity score by Bubbleverse combining APR pressure, utilization, and interest-to-payment ratio. The highest FiZ Score card is the one to pay off first.
What is the difference between FiZ Score and Trap Score?
Trap Score measures overall debt trap severity across all cards. FiZ Score is per card and tells you which specific card is hurting most.
How do I improve my FiZ Score?
Pay more than the minimum on your highest FiZ card. Reduce utilization. Ask your bank about EMI conversion or balance transfer offers.

Related Metrics