If it were me, I would use your green dollars to reduce the cost of the debt that you have to carry.
As already mentioned, there is no "history" regarding utilization that affects FICO scoring...so, I'd try to save actual dollars and worry less about your utilization.
Fico 8 11/01/25: EX 795, EQ 796, TU 795.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.
Zero percent financing is where the devil lives...
