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  1. Hello, I have 5 cards now, with the following limits, most of which are about 90% maxed (mainly from post-mortgage shopping, moving, home repairs, kids going to college, etc), hence a very high utilization across the board: Discover: $5000 Limit Chase Amazon Visa: $2500 BestBuy Citi Mastercard: $2000 DCU Visa: $3000 BarclayCard: $1000 about 4 other store cards (Macy''s, Khols, JCPenny, Lowe and HomeDepot) with limits raning between $300 and $100 I have no lates (within the past 3 years), and waiting for some old charge-offs to drop off later this year and next. Thankfully, I have a part-time job now, so it is helping meet my expenses without resorting to the credit cards. I have $5000 from my tax return to distribute on these cards. I intend to put $3k on the Discover, and $500 each across all the 4 other cards (Amazon, BB, DCU and Barclays). Is this a reasonable way to pay out the cards? I want to gradually reduce my utilization and increase my socres, and would appreciate inputs into a strategy that helps achieve this. Thanks