actually, its 30%, but i think even that is too much. i dont have "a lot" of available credit between my cards (6500 between 3 cards), but even at 30%, that'd be carrying $1800 in balances, and at 50%, $3200. no thanks. i just paid off all my credit cards on friday (one i used for christmas purchases, one i had at 0% for my tv from last year, my gas card). only monthly bills i have now is my mortgage, car insurance, cell phone, and gym membership.
if they deem me irresponsible and drop my score for paying off my balances, oh well. im 24, have my own house, car, and last time i pulled my credit i was at equifax-709, transunion-801 and experian isnt letting me see the file i saved but it was either 808 or 818. cant remember...and this is with purchasing a house <8 months before these reports were pulled, which most people say getting a house drops your score for a while because your DTI goes way up.