Originally Posted by
beltway
95% utilization is really not a great idea, IMHO. I'd try to move some of the credit lines around to avoid that if I wanted to use one card that much.
I agree, I've always heard that you shouldn't go above 50% utilization on a consistent basis unless you are making extremely prompt payments. I personally try to use anywhere between 25-40% of a credit line, enough to show heavy usage, but not enough to freak the bank out.