- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
For your score, it's better to leave a small amount, like < 10% as you mentioned or even I've read ideally 1-4%, on the statement that posts. FICO likes to see "usage" and that's how it sees that usage for the optimal score.