The known thresholds are 8.9%, 28.9%, 48.9%, 68.9%, and 88.9% (maxed). Actually, that's simplifying things a bit. Exactly 9% should be OK, but you'd hate to miscalculate by a penny or two and have 9.0000001% turn into 10% for scoring purposes. 
28.9% is considered "reponsible" borrowing, and it generally puts one in the second best scoring tier. If cards that report positive balances are at 28.9% or below, your report will look good.
The general wisdom is that overall utilization of 8.9% or below, individual card utilization of 28.9% or below, and a single card reporting a balance will optimize the revolving portion of one's score. Individual card utilization is determined by the card with the highest utilization.
Some have reported being dinged at less than 8.9%/28.9%, though, and we haven't really pinpointed why. That's why we recommend AZEO (a single card reporting a tiny positive balance) when one needs every possible point and hasn't done the testing to see how his profile reacts to balances.
I believe individual wise - 30-40% is where a card will be considered to have higher UTI. Some lenders may be okay with going all the way to 100% (BT wise), others may not care all the way to 70-80%. It's sorta hard to say.
As far as overall goes - 30% is where you'll start raising some red flags. Anything higher, unless it's a large purchase that you are paying down significantly. One thing to keep in mind, UTI is dynamic, yes it can adversely affect your score but once brought down, the damage is reversed. The issue though to keep in mind is that when UTI becomes stable and does not change. For someone to have a UTI of 50% for one month, then 25% the next month, no lender (hopefully none), will bat an eye. For the same person to have 50% for 6 months straight, will definitely raise some eyebrows and cause some issues.
As far as overall goes - 30% is where you'll start raising some red flags. Anything higher, unless it's a large purchase that you are paying down significantly. One thing to keep in mind, UTI is dynamic, yes it can adversely affect your score but once brought down, the damage is reversed. The issue though to keep in mind is that when UTI becomes stable and does not change. For someone to have a UTI of 50% for one month, then 25% the next month, no lender (hopefully none), will bat an eye. For the same person to have 50% for 6 months straight, will definitely raise some eyebrows and cause some issues.
@pinkandgrey wrote:I’m curious as to what uti percentages are ideal, fair, terrible, etc. I generally try to keep my individual uti under 9% which obviously keeps overall very low as well. However, my Disco card will report higher on this next statement. All my other cards are still low, sub 9% though. So at what point will lenders panic or consider the card to be way too high? Some people say 40% uti on one card is unacceptable, and some say not until 80 or more.... Individual vs overall?
Thanks!
The most important cutoff for individual utilization is 30%, but due to interest and rounding, it's prudent to make sure no account goes over 28%.
