Answer:
It is 37%.
The formula for calculating your credit utilization ratio is pretty straightforward. To figure it out for an individual card, divide your credit card balance by your available credit line.
What you you do is divide the credit card ratio for each one.
For the first card: $2,397 (total on card) divided by 16,000, (the limit) is 0.149, we round that to 0.15. (15%)
For the second card: $1,218 (total on card) divided by 5,500 (the limit) which is 0.221. We round that to 0.22. (22%)
The question asks for the OVERALL, and that means to add. 22+15=37.