AZEO but....

[Kinglord]

Does this method take into account a closed credit card with a balance that’s being paid towards?

[Remedios]

No, and because of how utilization on closed cards is usually calculated, AZEO is pointless till those balances are paid off, especially if cards were closed as a result of AA.

[Remedios]

I wanted to provide just a bit more clarity here, you're not doing AZEO until all cards (open and closed) show $0, except one card.