TO see if it might factor into util, you'd have to look at the 2nd page (if printed). There's a scale and it'll list the top 1-4 reasons as to what is hurting your FICO the most. One of those items might (not always) be utilization expressed as a percentage. Since you have $0 listed on your Glance page for balances, it should be really easy to tell if you have that util $% showing and whether or not it factors in.
