I just took out a personal loan and paid everything off. My CL'S and avai are 11750. So I'm thinking using 1 percent. Is it okay to just charge that one percent to 1 card or alternate cards?
You can always charge more, and PIF everything but a 1-9% util balance for when the statement closes. What you want is a 1-9% balance reported to the CRAs. You could charge the CC to 90% or more of it's CL, then pay it down to 1-9% on or before the payment due date.