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To fully understand what Utilization percentages are, you must understand FICO scoring has two types of util percentage calculations, one that looks at the extent of utilization on individual revolving accounts (mostly CCs) and the other is cumulative and looks at the extent of utilization on all of your revolving accounts. In your case, keep a balance of < 9% on one card and 0 on the other card. If you get a third card, keep a balance of < 9% on one card and keep the other two at 0. This will give you max points.