FICO penalizes you for your revolving account with the highest individual utilization. For a maxed out account, you'll see a penalty for sure. What I'd be more concerned about is what this maxed out balance does to your aggregate utilization. I know you stated you were at around 25%, but I'm not sure if that's before or after this new reporting. If the reporting of the maxed out account brings your aggregate utilization above 28.9% (which you may be close to) you'll probably see a penalty from the aggregate utilization threshold crossing that's equal to or even greater than the penalty associated with a single account that's maxed out.
This is all moment-in-time stuff, though, meaning those points come back as soon as your [reported] utilization returns to what it was prior.
