@sectionals wrote:
@OmarGB9 wrote:You don't have to pay interest to show/maintain utilization. Pay all cards except one down to zero before statement date, and the one you're leaving a balance on, pay to zero right after it's statement cycle closes. No interest paid.
Thanks @OmarGB9. What you're describing is AZEO correct? What's the likelihood of a lender reducing your CLs due to decreased utilization?
Correct. This is to optimize scores, but it can get tedious, so constantly following it every month can become a chore.
Unless you're in financial distress and have been carrying large balances across multiple cards for months/years on end, then the likelihood of reduced utilization leading to CLDs should be 0. 
