If you want these utilization dings to go away, you’ve got to get more credit and not use it. A utilization of 50-90% is very high so it will be seen as risky. Ideally you want to stay under 10%. So you achieve this by getting your credit limit raised or opening more credit lines.
I usually put $1-2k on my main credit card per month, and my credit usage is below 5% because I have many cards, most with a zero balance.
YouKnowHowChoicesBe t1_jeabh0j wrote
Reply to Why are we encouraged to charge everything to a credit card but get penalized for high credit utilization? by New-Row7111
If you want these utilization dings to go away, you’ve got to get more credit and not use it. A utilization of 50-90% is very high so it will be seen as risky. Ideally you want to stay under 10%. So you achieve this by getting your credit limit raised or opening more credit lines.
I usually put $1-2k on my main credit card per month, and my credit usage is below 5% because I have many cards, most with a zero balance.