@Anonymous wrote:How does utilization calculate for one the always pay CC in full each month. I have one card I use the most and it goes over 30% all the time and often higher, but always gets paid in full. Does it still impact score as though I'm carrying a balance since at statement time it will always have decent utilization. I typically pay it within a day or 2 of statement issue. I use this card for everything plus bills that can be paid via cc.
The only date that counts for FICO score "utilization" purposes is the date of the balance which is reported, which in the vast majority of cases is the statement date, which means the statement balance is what is reported.
So if your lenders are not among the exceptions, it plays out like this:
A and B each have 10,000 in total credit limit, each puts 5,000 in spend on his or her cards each month, and each pays in full every month.
A always pays before the statement cuts.
B always pays the day after the statement cuts.
A's "utilization" is zero.
B's "utilization" is 50%.
I put the term utilization in quotes because obviously FICO "utilization" has no relation to actual utilization. A and B are clearly utilizing their cards equally.
Welcome, @Anonymous!
You're in an unusual position. Not many people have a Chase card as their only card as they generally don't like to issue someone his first card. You must have done something right. 
For best scoring with one card, the reported balance should be greater than zero (at least $5) but less than 8.9% of its limit. As you've noticed, Chase reports zero whenever you pay to zero.
It's possible to have a positive balance continuously report on a Chase card. Once a new cycle starts, pay your statement balance after a charge from the new cycle posts. That way, you've still paid in full and avoided interest. And you'll avoid Chase reporting zero. Only do that if it's practical, though, i.e. if you'd be using your card frequently anyway.
Another thing Chase will do is report your balance whenever you call in and ask them to. If Chase has reported zero and you've placed a small balance on your card, they'll report it upon your request.
That's a lot of goofing around, though. If your scores are generally sufficient, I'd just keep doing what you've been doing. The next time you want to apply for credit would be the time to implement one of the options above.