Hi cowgirl,

If you are at high utilization, consider keeping open any cards that you can handle the AF on, and keep all of them open until the AF is due.

That will help your utilization - which you say is maxed.  When your utilization is down, then consider closing cards.

If you would, tell us how many cc's you have, their CL's and balances, and their AF's.  You'll get some good feedback with that additional info.