Here's an update on the effects of having a card at 65.8% utilization (in case anyone is interested in the DPs):
| EXPERIAN | ||||||
| Fico 2 | Fico 8 | Fico 2 | Fico 8 | Fico 3 | Fico 2 | |
| Mortgage | Auto | Auto | Bankcard | Bankcard | Bankcard | |
| 05/01/19 | 727 | 729 | 730 | 746 | 726 | 731 |
| 05/06/19 | 697 | 706 | 702 | 722 | 681 | 700 |
| -30 | -23 | -28 | -24 | -45 | -31 |
On 5/1, I had 0.26% Total Utilization ($17 reporting on CapitalOne (3.4%); $0 on rest)
On 5/6, I have 10.38% Total Utilization ($658 reporting on Discover (65.8%); $17 reporting on Cap1)
Already paid Discover this morning...curious to see if they bounce back up all the way.
UPDATE - Disco showed me some love!
Decided to ask for a CLI today as planned, and they gave me $500! I was at $1,000 so that puts me at $1,500 now. Wasn't expecting anything since I did one last month and only got $200, so I'm very happy 
Obviously.
@Anonymous wrote:It's worth noting above that the majority (probably 2/3) of your score shift above didn't come from "a card at 65.8% utilization" but rather from your aggregate utilization crossing over the 8.9% threshold. Aggregate utilization is King to individual card utilization.
Good point! I totally missed the fact that I crossed that threshold.
@Anonymous wrote:
@KLEXH25 wrote:
Because when Discover statement cuts on the 5th it will report a high balance. DCU cuts on the 10th or 11th so if I pay before then, Discover balance will report as paid then. I know I’m overthinking this, but I’m trying to maximize scores before I app for a new card or two. Also hoping to get a CLI but we’ll see.If you're looking to maximize scores, you want all of your cards to have a $0 balance reported except for one and you want that one to have a small (say) $20 balance give or take.
The first set of scores was utilizing AZEO a little over week ago. I definitely took a hit this round, but hoping to get it back with AZEO again. Should also see a small boost when my oldest account hits a year in a few weeks.