This whole 4% to 10% to maximize your scores only matters if you're going after credit and need a boost in your scores. For everyday util keep it at 0 if you can. Why pay interest and have the hassle if you don't need to.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
The difference in my utilization from 9% to 79% is 3-4 points.... Just saying.
Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011i just paid my bill before its cut off time every months and keep a small balance like 1 2 3 dollars on each cards ? i guess its good for their to report some activity in your account and pluss they wont close your account and i also can taking advance of Credit Alert on Score watch and see my score daily as 3 times a month.....i' m just saying 
Starting Score: 560
@nicholasyud wrote:i just paid my bill before its cut off time every months and keep a small balance like 1 2 3 dollars on each cards ? i guess its good for their to report some activity in your account and pluss they wont close your account and i also can taking advance of Credit Alert on Score watch and see my score daily as 3 times a month.....i' m just saying
^ What do you mean you can see your score daily? Is it because of the staggering of the creditor reporting the statement bal throughout the month?
not daily but as soon as the credit card statement report to credit bureau .....i would se it because i let its over like $1 from my last statement so of course they give me an alert and here you go i can see my score again during the months period...
Best utilization is 0%, nuff said 
