Live and learn.
I wanted to try to max out my score so I paid off all CC balances before reporting except for one card. My Venture is my daily driver and has a $ 5k limit. I have pending charges every day so don’t know exactly what the balance will be at the end of each day. As it worked out, the statement reported a balance of $ 42. My CK Equifax (not a FICO I know) shows 0% utilization now and my score isn’t greatly changed from lats month when util was about 25%.
I know that 0% isn’t ideal and wasn’t trying to get to that leve, but now I also know that if you’re below 1% util, it could be considered as 0% as well.
Late payments on my credit report