It honestly doesn't make that much of a difference. Since we are all hardcores on this forum and try to maximize our scores we sweat the small stuff, but it's exactly that, small. All of the things we discuss with respect to revolving utilization (AZEO, etc) really only constitute maybe 20 points. 20 points on most profiles isn't going to be significant enough to make or break a lending decision. If you're the type of person that micromanages everything, lives by AZEO, etc. your scores are probably going to run about 20 points higher than someone that reports all zero balances or the opposite which is someone like yourself that you described above that just lets balances report naturally however they show up, so maybe your utilization lands in the 20's or 30's (depending on your overall limits) at times, which may result in a similar score drop from "ideal."
