Creditors become increasingly nervous if a consumer maintains a high % util on their revolving account.
That becomes increasingly so if their internal soft pulls also show that the consumer is maxing other creditors.
A common result of maintaining an account at or near max, or of having multiple accounts with very high % utils, is that the creditor may begins to decrease your credit limit with them as your debt is paid down, thus controlling further charges, and controlling their risk.
If a creditor begins to decrease your credit limit,then your % util will remain very high even as you pay down the balance.
That makes credit score improvement in % util scoring very difficult.
How long have you maintained the high util rates?
