Points gained would go more to Person #1, all else being equal. Why? Because person#1's utilization would be much lower in your scenario. It doesn't matter how much you charge on a card....it matters how much is reported in relation to the reported CL. The only consideration would be activity. FICO will ignore balances and CLs if a CC hasn't reported in months, though that time frame is uncertain. Ideally you'd want to use it every 3-4 months to keep activity on an unused card and to prevent the creditor from closing it due to non-use.