Credit Card Utilization

[Anonymous]

I've read it is best to keep credit utilization around 10%.

I want to know if it is better to keep all my cards at zero balance except for one which I use reguarly?

Or if is it better for my score to keep using all my cards, keeping utilization around 10% for each card.

[kilroy8]

AZEO (all zero except one) is widely thought of as the best way to maximize utilization score. Keep that one card below 8.9% for FICO 8, below 6% for some of the others.

[Anonymous]

Thanks kilroy8. I just came across this:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/ABCD2199-s-Eleven-Rules-to-Credit-Rebuild...