Sevenfeet wrote:20% isn't bad (I'm at 38%) but the big difference between us is age. Even with my recent app spree, my AAoA is over 7 years. My wife's is at 10 years. You've got quite a lot of cards but with generally anemic credit lines, mainly because of the age factor. Your scores are probably depressed because of that too, even though you pay your bills on time. This is a marathon, not a sprint.
But I agree, getting the utilization under 10% is a worthy goal. It concentrates your efforts to that end and it allows time to build up on the products you have now. Don't worry about CLIs for right now...they will come in time. Your new Sapphire will be the anchor that brings the others up. Garden it well.
Thanks for the vote of confidence. Any recommendations on how to "garden" a card? Should I try to use it often to get high balances and pay it off completely each month? Keep a low but consistent balance? Pay before or after the statement each month? I agree the age is killing me, but like all youngins' I have no patience. :P