I am working with our computer guru at my institution. He is going to create a report to be reviewed to monitor any "material increase in the use of available credit". My question is what percentage would be considered a "material increase" He needs a percentage and a dollar amount. He is very experienced at this type of report. He said it would be more helpful to us if we have a percentage and a dollar amount to input. Does anyone have any ideas? Or can anyone refer me to any thing that could help me with this?