I was approved for the Amex Clear Card with a credit limit of $10K. I bt the needed amounts to bring my utilization down to 50% and below on my credit cards. I don't plan to use that card until it is PIF and I'm sticking to another card for my basic purchases. That card I PIF every month or carry a balance of no more than 9% of its CL.
I am pretty much where I want to be with my credit cards for now. Of course lower would be ideal, but have you ever had that feeling that you had better leave well enough alone and just chill for awhile? Well that is where I am now. I don't feel like checking and rechecking scores. Just do the daily pulls on TC and check out my FICO scores every six months to see how I am doing. I even set Scorewatch to my targeted score so I won't have to receive the emails from them with the bouncing up and down that will occur during the next five months It's just like I need a break from figuring and reasoning. LOL I believe I'm maxed out more than my credit cards are!!
I do appreciate your explanation and that of everyone here on this forum as your valuable research and knowledge have helped me a lot since I joined.