Change in treatment of credit card usage

A few weeks ago in Business Week there was a short item explaining that, in the U.S. anyway, the point at which credit card utilization is penalized has moved from 35% to 20%. (And I don't think people realized that it was as low as 35% originally.)

I haven't been able to verify if this change has also been made in Canada, but would be surprised if it doesn't come north if it hasn't already.

A lot of people prefer a particular credit card, whether for points or cash back. There is no problem with that; I just hope you aren't hurting your credit score.