Caliman10, That's surprising but good to hear!
Concord, If we have to keep balances in the 30% range, we need 3 times higher credit limits than what we actually need to use. So, instead of needing $10k and getting a card for $12k - $15k, we need a $30k card. Not very realistic right now. I think people over-react when it comes to credit usage. I've had 90% utilization on $100k in cards ...