Abstract: Disclosed is a system and method for the automated generation and display of an electronic, graphical representation of the effect of a consumer's credit card usage as a percentage of credit limit on such consumer's credit score. The presentation may show each credit card account with a graphical view of the level of usage on each of a user's card accounts and further shows in which category that usage level falls. The levels of credit usage are classified for each card account into qualitative categories. Each category is designed to communicate to the consumer the statistical association between the usage level on that account and credit scores.