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Originally Posted by rexdart
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.
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Congrats on paying off the 3 accounts!
This is correct. The 1/3 utilization factor is considered for each card, so maxing out any one card will probably lower the score.