Amazon Prime Visa - want to app but util question first

[Anonymous]

Being she is at under 10% utilization across the board, she is currently helping her credit score. If she pays it down to 0% utilization, she will lower her credit score would she not? So, shouldn't she app now before that one credit card shows a zero balance and her score drops for being at 0% utilization??

[Anonymous]

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@Anonymous wrote:
Being she is at under 10% utilization across the board, she is currently helping her credit score. If she pays it down to 0% utilization, she will lower her credit score would she not? So, shouldn't she app now before that one credit card shows a zero balance and her score drops for being at 0% utilization??

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So I have been examining where my spend is and what will benefit me better and the Amazon Prime Visa would be a good fit.  I have no HP's on EQ and EX this year but my hesitation on waiting until after 6/1 is a utilization concern on (1) card that reported last month.  My current overall utilization reported last month was 9% with one card in particular reported at 41% util which has been paid down to a total balance of $50.

[kdm31091]

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@Anonymous wrote:
My advice in these situations is always to wait. If waiting another month could mean bringing all of your util to the ideal range, it could mean a $5k approval instead of a $2k approval. No way of knowing for sure, but I'd recommend waiting so you get the most favorable result.

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Agree here. If there's ever any doubt, trust your instinct and wait. The card isn't going anywhere; waiting til June seems like a good plan.