@CH-7-Mission-Accomplished wrote:
Any balance on a card, even $1 or $2, will round up and report as 1% usage. They do not round down to 0
+1 even with 2 dollars fico will round up to 1 percent. 1-9 percent on 1 card. You are getting every single point in utilization category on fico score. Unless you are app,ting right now. No need to be obsessive with it. The good thing about utilization. It has no memory. So if 20% one month and down next. Your score will correct itself.
