Credit Utilization data in general used to gauge the credit line with revolving credits. For high credit utilization (over 50%) with Vintage of over 2 Yrs and no DPDs signifies that the applicant is prudently using the revolving credit facility. However, the analyst needs to careful whether the applicant is paying the entire Outstanding or just paying some minimum amt due to avoid being reported as defaulter by Banks / CICs. Credit Utilization Data when analyzed with variables like Income, Other Unsecured loan, Repayment percent and credit vintage of applicant can give more than enough insights to predict the credit default risk of the applicant.