I am going to be apping for a new card soon and I have a question about Util %. I had 2 months where my statement recently had a Util of about 55%-65% because I had used my cards a good amount for traveling I was doing. My question is, they have since been paid down to where my total Util is about 6%-10%, so when I app is the company just going to go off of my current Util % or are the couple of months prior being high going to kill my chances. Any info/opinions would be appreciated. Thanks.
Starting Score (July 2013) Exp 665 Equ 658 TU 660
Current Score (Feb 2015) Exp: ??? Equ: 765 TU: 776
Amex BCE ($12,000) Discover It ($7,400) Cap1 Cash Rewards ($2,250) Cap1 Platinum ($4,500) Express Next ($1,450)