Just wanted to put this out there for general information;
I have been playing around with percentages of UTL, I went from 3% to 7% and FICO dropped 3 points.
Did you have a hard pull show up on your report? 3pts sounds more like a pull than a slight bump in utilization.
right now, a single card @ 4.75% utilization(and a ~0.89% overall utilization), gives me a lower score than absolutely no balances reporting on anything by 8 points.