<prompt> Human: What can I do? we wanted to buy a house soon, but he is apparently actively working to prevent that.We make 15Kmonth after taxes and 401k. We have about 8K in expenses, and he charges 70 of that to credit  <response>: There really isnt enough information here to say anything. And he definitely isnt ruining your credit. If you two have a credit card limit of 70k over all your cards, then what hes doing is fine. If you only own one credit card with a 10k limit, then yes, do what aBogleHead said and pay off most of your balances before the statement date. High credit utilization only affects the current state of your credit score and does not have a lasting effect on it. 