I recently made some large transactions on a few credit cards. My overall credit utilization probably won't go above 25%, however this is still a historical high. I have a combined $60k credit limit across 4 different providers, plus 2 cards without stated limits.

Should I pay them off now, before I get the statement, or just sit tight? Or maybe an option in the middle to get the monthly credit utilization down between 10-15%?

Or is this really inconsequential? I was hoping to do another churn in January/February.