It is a way to maximize scores but IMO not really worth the time and effort unless you have a loan app coming up. Even then your score may not change enough to make any meaningful difference in the loan rate.
But yes if you want to do it its 1 to 9 percent on one card zero on the rest. I just find other ways to drive myself crazy and dont need to attempt this.
But yes if you want to do it its 1 to 9 percent on one card zero on the rest. I just find other ways to drive myself crazy and dont need to attempt this.
The way i see it is that it's a toss up. I try to keep my FICO scores respectable enough but they take second fiddle to my lenders expectations. Every lender has different criteria that they like to see which in turn plays an important role in their internal scoring, and that's what i try to focus on the most. The FICO optimal scores can wait unless you're getting ready for a spree or something similar. FICO scoring is a roller coaster ride 
If you really do not like balances as your post indicates I would just use one card out of all of them and pay in full after the balance reports. That would allow you optimal fico scoring while not making you feel uncomfortable. I have found that with credit you have to do what you want to do with it in order to maintain it long term. The most important thing I believe is to remain consistent.