07-09-2012 12:43 PM
It seems to be common wisdom by posters on the site that they see a bit higher score when util is left on at least one card at the level of 1-9%.
However, in the case of only one card, any benefit may be offset by the fact that it will always result in 100% of revolving credit carrying a balance, which is an additional scoring factor. Its not a simple matter of do this, or do that.
I would suggest playing around with it for a few months. Let it report $0 one month, then less than 10% the next. Since prior month's % util are not scored in subsequent months, it wont have any lingering effect on scoring, and thus would be a great chance to give both alternatives a test-drive.