If you can drop your util from around 50% to under 5% in the same month, how long will it take for that to appear positive to a lender? I know CCs update every month, but i'm not sure you need to have low util for multiple months in a row before any impact. I would think not, but i'm not sure. This is more a matter of curiousity than anything else.
You have to wait til your credit card statement comes out for the current month. A couple days after that, credit cards usually report. As Guiness correctly said, the instant it report to the credit agency, your score will move. Just cause you make a payment, the card doesn't automatically report to the credit agency. Usually they report once a month at most.Note: If you pay your card down to a zero balance, it may not report at all that month. If it is important to you that it reports then leave at least one dollar on your statement to be sure a statement generates and it reports..