Originally Posted by
longhorn11
The 10% number is what you want to show when your statement cuts. What I'm talking about is making a 10k charge on a 15k limit card during the billing cycle and paying it off promptly so you're not maxing your card out every month.
Ah. So you're really more in the 65+% utilization rate over length of billing period. Fair enough. I do the same. But I'd never go over 30% (I tend to stick to under 10% as previously mentioned) for statement, and I can see why they assessed the other poster as a credit risk at 95%.