I appreciate your advice. My Visa Signature has a limit of $5000. The minium limit for a Visa Signature. I use it for virtually everything I buy and pay it off when the bill arrives. My other major card is a Mastercard with a $9000 limit. However, I don't use it that much since there are no rewards with it.
As I said, I got the Visa Signature in January. It, however, is causing me a problem because it has no preset spending limit causing only my high balance to be reported which had been about $600. I spoke to B of A a week ago and they told me they will report the limit as $5000 but it will take up to thirty days. I hope they follow through; the artificial increase of my utilization ratio has really dinged my score. I put $2000 on the card this month, so if nothing else hopefully they will report that has my high balance.
I am also not spending much outside the necessary. Of course, even in the best of times I'm usually fairly conservative in my spending. I don't put my utility bills on my card. Just groceries, gas and any other shopping I do. I was able to boost this month's spending on the card due to some atypical expenses.