[brianwawok]

Your credit card utilization is a snapshot at a random day in the month. I pay off all my CCs in full every month, every credit report I have seen of myself show 1-90% utilization of all of my credit cards.

(The 90% is my Target Redcard with a $300 limit, pretty easy to max that puppy out... in fact its bad for my credit to even use, as the 90% utilization makes me look in trouble, but it can be hard to pass up 5% savings..)

[Sleeep]

You can ask for a credit limit increase.

[brianwawok]

Hah they actually told me "we are not giving credit card increases at this time" for like 3 years. Then they finally sold the business. Then I think I got a bump to 1000? Which still means if I buy an electronic device, I hit 50% utilization pretty quick.