first off let me say I'm sorry for what you've had to go through. I would love to drag you along to some of these forums / communities so full of themselves from elitist opinions on money behavior and try to help them understand that life happens.


secondly, you've already been responded to by two of the most informed opinions here but quite frankly, if my answer is of any value...my goal was (and destination became) 0%.


certainly not always possible for everyone but I had no desire to be in "less" mess than I was in, I wanted to be done with it.


but as Sweeps' says, around a 1/3 seems to be the most commonly quoted utilization ratio. keep in mind though, nothing is ever that simple. I believe 5000 on one 15000 card would look better than 5000 on three cards totaling 15000 (when all of the 5000 is on one maxed card).


but I personally don't know for sure.