Credit card utilization is reported as a "moment in time" item. So say you had a $10,000 limit on your lowe's card, and in 4 months it was paid down to $100, and you wanted to re-fi your house, when lender pulled your credit, all that would show up is the $100 balance. They have no way of knowing that you at one point maxed out your credit cards. They will be able to see the "High Balance" on your reports,(which is the highest balance that has been on a statement) but that isn't really that important, They don't know whether you floated that balance for months or paid it off the day after your statement cut. . Just make sure you don't miss any payments.
