Dropped Util from 74% to 36% what should I expect to see

[Anonymous]

If you consider it high then what would be a good point of when I should see a dramatic difference in my score?

[BundiFan]

2% to 9% util is the sweet spot for revolving credit

[Anonymous]

I have been as high as 22% and not seen

any change which surprised me.

But last time I went from 3 to 6% I lost 5 points

From one of our best moderators years ago:

UNDERSTANDING  FICO SCORING is an

oxymoron!!!!!