What is considered "maxxed out"?

[LS2982]

My CU card has a rather hefty balance from 2 BT's and my truck upgrades, 5.4/9K. I know this isn't good and i'm paying a good portion of it off within the next 2 months but what % is considered to be maxxed out? I never wanna cross that threshold!

[rtw]

I believe that 90% uti is considered maxed out.

[webhopper]

According to credit secure by amex (yes I know this is not fico info) a card is maxxed when you spend 90% of its available limit.

[Jlu]

Yep, > 90%

[LS2982]

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@webhopper wrote:
According to credit secure by amex (yes I know this is not fico info) a card is maxxed when you spend 90% of its available limit.

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I was surprised to see my EQ FICO not take a hit for a balance increase from this card, kinda getting spooked others will see it and throw some penalty flags

[Open123]

To me, I consider 90% of available credit "maxed out" as opposed to just a single card.

I don't consider credit maxed out if you had $50k in available credit, but charged $800 on a $1,000 CL card.

[Jlu]

^Although if you have $50k in available credit, what are you doing with a $1k limit?

[flowfaster]

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@Open123 wrote:

To me, I consider 90% of available credit "maxed out" as opposed to just a single card.

I don't consider credit maxed out if you had $50k in available credit, but charged $800 on a $1,000 CL card.

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That would only be 80%

[Open123]

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@Jlu wrote:

^Although if you have $50k in available credit, what are you doing with a $1k limit?

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I liked to use my BBRZ to attain premier silver status with general spending?  LOL

[LS2982]

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@Jlu wrote:

^Although if you have $50k in available credit, what are you doing with a $1k limit?

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True.....