I'm shooting from the hip here, but if Amex is getting paid on time, you're probably in good shape. If you have the income to support the debt, even better. In the middle of last year, my wife and I both took some time off of work for the birth of our first daughter. Between that and the new baby expenses, we racked up some significant debt. If anything, I increased a few lines in the time since and did a mini-AOR (including Amex Plat). 96% utilization is one thing, but what does that look like compared to your annual income?