I normally pay off all of my credit cards each month except for one or two. I recently paid all of my card balances down to zero except one. I left $19 on the card. When my other card that I normally carry a balance on was paid down to zero and was reported as zero to my Experian credit report my score dropped 15 points and it said I was using zero percent credit utilization even though my AZEO card has a $19 balance. Does the amount that you let report on your AZEO card make your score lose points like this?
Seems from the talk on the forums. 5% of the credit line is ideal with AZEO. The full picture as of now. That doesnt seem right. May have been something else also. Util has no memory. Try it next month. Could have been placed in a new FICO bucket. Many things can change.
@wildboys wrote:I normally pay off all of my credit cards each month except for one or two. I recently paid all of my card balances down to zero except one. I left $19 on the card. When my other card that I normally carry a balance on was paid down to zero and was reported as zero to my Experian credit report my score dropped 15 points and it said I was using zero percent credit utilization even though my AZEO card has a $19 balance. Does the amount that you let report on your AZEO card make your score lose points like this?
No. $19 would be sufficient.
Was it a store card? A credit union card?
@wildboys, in addition to what @SouthJamaica has mentioned about store and credit union cards, would this card happen to have an extremely high limit? Or could it be a Chase card that was subsequently paid to zero?
@FireMedic1, I'd lose points on several scores if I allowed 5% to report. More importantly, I'd be spending too much money. 
As I mentioned in another thread today, I'm dinged at $147 on over 70k in limits.
@SouthJamaica wrote:
@wildboys wrote:I normally pay off all of my credit cards each month except for one or two. I recently paid all of my card balances down to zero except one. I left $19 on the card. When my other card that I normally carry a balance on was paid down to zero and was reported as zero to my Experian credit report my score dropped 15 points and it said I was using zero percent credit utilization even though my AZEO card has a $19 balance. Does the amount that you let report on your AZEO card make your score lose points like this?
No. $19 would be sufficient.
Was it a store card? A credit union card?
No the card with the balance is a FNBO Evergreen Visa.
@HeavenOhio wrote:@wildboys, in addition to what @SouthJamaica has mentioned about store and credit union cards, would this card happen to have an extremely high limit? Or could it be a Chase card that was subsequently paid to zero?
@FireMedic1, I'd lose points on several scores if I allowed 5% to report. More importantly, I'd be spending too much money.
You must have really upset the credit gods. My personal limits are just over 50K, and provided I don't exceed 4% have never seen a ding from small activity. Of course, I only monitor my CC scores, so I have no clue as to what happens with mortgage or loan scores.
@wildboys wrote:I normally pay off all of my credit cards each month except for one or two. I recently paid all of my card balances down to zero except one. I left $19 on the card. When my other card that I normally carry a balance on was paid down to zero and was reported as zero to my Experian credit report my score dropped 15 points and it said I was using zero percent credit utilization even though my AZEO card has a $19 balance. Does the amount that you let report on your AZEO card make your score lose points like this?
Is the $19 the current balance or the last statement balance? And is it showing on the Experian report?
It is the statement balance.
@NYC_Fella wrote:
@wildboys wrote:I normally pay off all of my credit cards each month except for one or two. I recently paid all of my card balances down to zero except one. I left $19 on the card. When my other card that I normally carry a balance on was paid down to zero and was reported as zero to my Experian credit report my score dropped 15 points and it said I was using zero percent credit utilization even though my AZEO card has a $19 balance. Does the amount that you let report on your AZEO card make your score lose points like this?
Is the $19 the current balance or the last statement balance? And is it showing on the Experian report?
It is reporting $19 on my Experian report and is also the statement balance.
@wildboys wrote:It is the statement balance.
@NYC_Fella wrote:
@wildboys wrote:I normally pay off all of my credit cards each month except for one or two. I recently paid all of my card balances down to zero except one. I left $19 on the card. When my other card that I normally carry a balance on was paid down to zero and was reported as zero to my Experian credit report my score dropped 15 points and it said I was using zero percent credit utilization even though my AZEO card has a $19 balance. Does the amount that you let report on your AZEO card make your score lose points like this?
Is the $19 the current balance or the last statement balance? And is it showing on the Experian report?