So I am learning lots about utilization and that I need to be careful about it.
I recently lowered my credit limit (dumb I know) and I am trying to pay off lots fast so I can recover. Not sure by how much yet as the new score has not been updated.

I have a credit card and a line of credit. Just wondering if they are looked at differently by fico/beacon. I ask because when my score was last updated my line of credit (revolving) was at 14,022.00 out of 15,000.00.
It does not appear I took a hit for that even though it would look maxed out if was a card.
I know my overall utilization was 46% as my cc was 6000 out of 28000 and if you put them together this is the average.
This means my loc was about 94% used.
My cc was 21% used.
Scored together it was about 46 overall utilization.

I have read your overall utilization should be under 30% but 50% wont kill your score.
Because I dumbly lowered my limit I am at about 62% used. I can get this down to 50% in a couple months.

Again, I am just curious if lines of revolving credit appear to be calculated differently. I would have thought I would have taken a hit for one revoling account being so high.

My score was 728.