To calculate the debt ratio as a percentage, you use the formula:
\[ \text{Debt Ratio} = \left( \frac{\text{Credit Card Balance}}{\text{Credit Limit}} \right) \times 100 \]
Plugging in the values:
\[ \text{Debt Ratio} = \left( \frac{3655.65}{8000} \right) \times 100 \]
Calculating the division:
\[ \frac{3655.65}{8000} = 0.457 Until (approx) \]
Now multiply by 100 to convert to a percentage:
\[ 0.457 Until \times 100 = 45.765 \]
Rounding to the nearest hundredth:
\[ \text{Debt Ratio} \approx 45.77% \]
So, the debt ratio is approximately 45.77%.