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This is a good reply :) I can't upvote on money.stackexchange as I never ask questions here. Good solid sources, and you seemed to have come to the same conclusion I have too. Keep utilization below 30-35 %, if you bring it under that value before the statement is drawn up I think thats the best position to be in.
– simonw16
Commented Jan 4, 2019 at 21:06

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