Valued Contributor
my-own-fico
Posts: 1,216
Registered: ‎01-05-2010
Re: When to pay Credit Card for best Utilization

The only utilization number that matters is zero. To the best of my knowledge, there is no other verified cutoff that carries any particular importance. As a general rule, a lower utilization is better; keep a small balance on one card and the rest at zero (pay down the balance before the statement date). When that is said, my current Experian FICO score is based on a credit report that has a positive balance on two cards and has a double-digit overall utilization. :smileysurprised: :smileyvery-happy:

Reported credit card debt EQ $0 TU $0 EX $0