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If I currently only have one card that will be reporting, do i want it to carry over a balance or pay it in full prior to report date??
Let 1-9% of its CL report if you have more than that as a balance pay it down to get it in line.
If you are playing the util game, you want less than 10% to post on one card to give you the maximum boost. If you're not apping for anything, then there's no point in it. Just PIF and don't pay interest. I like mine at 0% because it means I'm not paying interest. FICO doesn't like that, so I lose a few points. But if I want a bit of a boost for an app or something, I'll let a small amount post on one card.
FICO has no memory of useage. So I only do it when I want to.