UTIL Question

[Anonymous]

Hello,

My current UTIL is 2%. I was talking to a lender about preapproval and he told me it needs to be 5%-10%. But he didn't elaborate on why. I'm currently trying AZEO and only have a small balance on one bank card. 

Does anyone know why 5%-10% is better? 

[AllZero]

I would think 2% is better than 5%?

Depending on your score card, there may be a threshold at ~4-5%.