re: Should I pay off a 0% Credit card bill with my Mutual Fund $$

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So my untilization on a whole with credit cards is $7,100 of 70k = 10%.
Isn't this what they look at? Or do some look at each card individually?

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They look at it on the whole, not an individual card by card basis. Try and raise your credit limits too. Usually they will do that, and that just gives you a little more freedom as well.

ETA: Actually they look at both factors. Individuals basis and overall basis. Definitely good to raise the credit limits as often as you can.