It seems 2% is the number and I thought my usage would round up but, they rounded down. Thanks for the input.
I don't have any inside information. Everything was fine until I got down to 1% so, I will keep it at least 2% from now on. Might try 3 and 4% just to see. I am gardening right now so I have couple of months to play with.
Because I have try this for 12 years now and is always 2% for maximize score
Speaking from experience 100% sure about this plus you can try the fico simulator
I think we have a consensus, don't mess around with 0 and 1%. I really appreciate all of you helping me out.
You need to show some use on the cards preferable 2%
If you go below that you lose from 3 fico points to 10 fico it all depend on how many trades and other factors as well but the general idea is 9% and down but no less then 2% utl. The new idea is more trades more score but i have yet to prove that functionality so.....
I agree, one size does not fit all. Thanks a lot.