<prompt> Human: Hey All! So, Ive got a CC balance question that mainly revolves around perception. Ive got a card with a 17k limit. This past month, I needed to use 9k which is more than 50 utilized for a couple well needed car repairs, etc. My question is: Payment for that balance isnt due until July 1, but Ive read that technically you never want to show more than 40 of credit for any given card to be used. I want to pay it down early to get under the 40 mark, but Im curious if I really -need- to take action prior to the due date. Like I say, more of a perception thing. Thoughts?Edit: I did read the Credit FAQ item pertaining to this. Just was curious about utilizing more than 40 at any given point in time hence my preference to pay it down and keep the balance sub 40 prior to the due date.  <response>: Credit utilization has no memory, as long as youre not applying for a loan this month, it doesnt matter. 