Apologies for bringing back a slightly old thread....
That's the funny thing, I was sitting at over 90% usage across the board when I got my CLI - my Apple Card didn't have a balance as I had just paid it off, though. My wife and I were carrying $24k in CC debt but, today, we finally sold our old house (which was being used as a rental for the past 3 years) and paid off 100% of our credit cards, leaving a small balance on just one as we prep to purchase another home!
