you've answered your own question.
pay these off immediately and stop using them for anything larger than 10% of the limit.
UTL is 30% of your credit score calculations!
- low credit limits
- high utilization, individual account
- high overall utilization
these factors are KILLING your score, guaranteed.
another consideration is that having high UTL month after month may trigger your other creditors to lower your limits and raise your rates! right now is a bad time to have high UTL, i have my little weinie cards in the sockdrawer until this mess blows over.