<prompt> Human: Lets say you have three credit cards, but you use one primarily because of good rewards. The credit limit on the most used card is 2000, and the other two cards have a combined credit limit of 3000. With the total credit limit of 5000, you wouldnt want to have more than 1500 30 balance on all three cards. Do you also have to consider each card individually? Can you spend 1400 on the 2000 card 70 as long as you dont spend more than 100 total on the other two cards?I searched around for the answer to this but most credit utilization questions were concerning when during the statement period to pay it off. One thread addressed this question but it was 7 months old.  <response>: I am a loans officer for a Canadian Bank. It may be different in the US but its probably similar there.When I see a Credit Bureau Report the credit utilization is a percentage of how much of ALL of your available revolving credit you have used, and this is the 30 rule tossed around so often. Individual trades credit cards, lines of credit, car loans, bank loans, and recently mortgages show the available amount and the amount used. Installment products such as loans and mortgages are not included in the overall utilization calculation. Therefore, if you have a maxed out 5000 credit card and an unused 20 000 line of credit, your utilization will be 20, which is the number that our credit software uses. So to answer your question, dont worry about which card you use as long as you keep your overall utilization low.I just want to point out that any major bank will have a human look at your credit bureau report. If I see a person with an 80 utilization but all they have is a 2000 credit card, that will probably not have a negative effect on my decision to lend money. Overall the credit utilization number is not actually that important to me, I care much more about your monthly commitments compared to your income debt servicing ratio, as well as how big your unused credit amount is. 