You must realize that utilization is not an average of your month to month balances. Utilization can be seen a a snapshot of your credit usage at the time a report/score was pulled. Unless you are checking your score and/or applying for credit your month to month utilization doesn't particularly matter. I'm not saying go and max out all of your cards, but don't stress too much about utilization. Biggest thing is paying your bills on time, and in full whenever possible.