Originally Posted by After Shock Media

Well keeping the debt ratio low is what FICO is looking at.
If you have two cards with a 10k limit for instance. It would look better to have both at 5000.00 each than one at 10,000.00 at any given time even if you pay them off in full each month.
That is why I have one high limit card that I never charge anything on ever. It always stays at a zero balance with the full credit available. Then I typically never go over 25% of my balance on any one of my other cards.