By default, EIGRP will not use more than 50% the bandwidth configured on the interface. It could use more than 50% of the actual interface bandwidth if the bandwidth command is greater than actual the interface bandwidth.
EIGRP could use up to the default 50% configured interface bandwidth if the interface is relatively slow slow, or the configured interface bandwidth is lower than the actual interface bandwidth.
Depending on the interface speed, if the configured interface bandwidth accurately reflects the actual interface bandwidth, the EIGRP bandwidth could reach the default 50% if there are a lot of network changes which require many updates, such as flapping links, but it would need to be an extreme circumstance in modern networks.
This was important in the past with slow LANWAN links, but the reality is that EIGRP uses a relatively small amount of the bandwidth available on modern network interfaces. It's probably something you won't need to deal with outside lab scenarios or exams.