Lol, Thanks - I just try and help out where I can
Yep, it would report as your high credit, even if you hit that 70% mark for one day, and that "snapshot" was taken a different day.
As far as sustaining that limit, it actually doesn't matter what your balances are. That 50-60% mark is simply the Maximum that your balance should be - not the goal you want to keep it at. Basically, all it comes down to is that you had a balance (regardless of the size, providing you say under 60%) and that you made your payment on time. It is actually good for your credit to carry very little outstanding unsecured debt. Credit card debt is considered unsecured, because there is no collateral. The larger the amount of unsecured debt, the more it will damage your credit. Typically, secured loans, such as vehicle loans or Mortgages, are helpful.
I hope that answered your questions, if not - bring em on
