Ratio of Credit Balance to Available Credit?

[Anonymous]

Is there a certain balance/available credit ratio or percentage that a credit card should be at to be considered reasonable? I am paying off cards and want to distribute my funds in the best way. I've heard its something like your balance should be less than 65% of your available credit. Any info? Thanks!

[Anonymous]

As low as humanly possible. 65% is way too high; you're probably losing significant points if your utilization is that high.

[MM1234]

Around 40% is the max. Anything under that is best. Try to be around 30% or less if possible.

[Anonymous]

Definitely 30% or less its hard to do with low limit cards but 10% is even better