40%...meh...wouldn't worry.  I don't think the creditors jump the gun on a one month review anyhow.  If they see extremely high utilization continuously for several months, maybe.  Your situation...nahhh.  Don't worry and sleep well my friend.

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Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)

Take the FICO Fitness Challenge ~ In the garden until June 2013!