It's very good. For the absolute highest FICO you'll want the reported balance a touch less, you want <9% on the card that is reporting. If you go to 1440 it's ding a bit further. Also for each additional card that reports a balance you'll take a ding. If you don't plan on applying for anything it's all moot. Just use and pay. When you are going to app for a card or loan then take the effort to make sure it all reports as $0 but the one card.