wjskabelund wrote:My credit scores have taken a hit because of my high utilization. Currently 91%, 63% and 72% utilization.
With high utilization your odds of approval will drop and, even if approved, you're likely to receive lower limits (not useful if you intend to BT) and higher APR's.
wjskabelund wrote:Also, a family member is willing to add me as an authorized user to their $15k credit card with little to no balance. Although this would help my credit card utilization percentage, I worry that it may ding me for having too much credit. I currently have $18k in available credit so this would almost double.
It's unlikely that "too much" would be an issue. Whether being an AU or not helps would depend on the creditor you're applying with as not all consider accounts where on is an AU.
Unfortunately you just need to pay down your balances. Get that card at 91% down ASAP. Being them all down in stages. The longer you leave accounts maxed and at high utilization the more likely you'll run into AA which will make your situation even worse.