Hello FT, couldnt find any help in the real world so some people told me to come here!

After spending some large amounts of $$ in ER bills and other unfortunate medical bills and life expenses, it has set me back quite a bit. I paid off my Amex Plat balance however, I have a 95% utilization rate for 2 months now with all my Chase cards (includes all 4 of them). I am cleared to go back to work in about 3 weeks so I will be earning some $$ again, but will probably take me 3-4 months to bring it down to around 20% utilization (am probably low balling it).

I only have 5 cards (the Plat charge and 4 Chase credit cards). I've had a 700 ish cred score for 7+ years and always payed my bills in full (except for in 2004 when I had another medical emergency). I've never missed a due date in history. I have not received calls/letters from amex or chase about my utilization rate yet.

I hope I am in good standing with Amex being a charge card in which I pay in full and always in time (had it for 1 year). But does anyone think Amex will close my Plat account because of my utilization rate? I know this is a membership rewards forum but will any of my Chase cards get closed as well?

thanks whoever responds!