nkyguy1988 t1_je8lhso wrote
Utilization resets monthly and has no tracking. It's pointless to worry about month to month, so use it if you want. If you do have a need for credit inquiries, make a couple extra payments and keep the utilization low when it gets reported for that month. Manipulation of utilization is easy.
joebenson17 t1_je95l7p wrote
Another strategy is to ask for a higher credit limit. This can typically be done online and only takes a few seconds. Over a few years you can increase credit limits 5-10K. For more immediate relief get another card.
People need to stop worrying about the numerator in credit utilization. Use your cards responsibly and pay them off in full every month. The key to lower utilization is in the denominator, which is easy to increase by just asking for it. Do this every 6-12 months.
OP if I were you, I would ask for a credit increase to $3,000. Even if you don’t get the full amount you will still get an increase. This will cause your CC utilization to go from 50% with the plane ticket to like 15%.
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