<prompt> Human: I currently have 5 cards. Right now my total utilization is 48, and Im working on paying off my debt, but my biggest question has to do with increasing my credit score.Do credit bureaus look at individual card utilization or total utilization? Does it really matter to them in which order I pay off my debt?  <response>: Forget your score. This is costing you real money and not just imaginary points. Pay the minimums every month. The contribute as much as you can to the highest interest rate. Repeat until gone. 