% of utilazation?

[IBroke]

If you pay in full every month your percent utilization is zero on that account.

Let me add, however, that it is crucial WHEN you pay in full. If you pay after the statement is generated, the reported utilization might be much higher. If you pay in full before the closing-date, you get the utilization (of 0%) you deserve.

[df04527]

If you pay in full every month your percent utilization is zero on that account.

[Movingon2010]

Does % of utilization matter if you pay in full every month on a credit card? I think I read somewhere on this board that you should not have more then 20% of your credit card at any given time. But I didn't know if that was only if you carry a balance.

Thanks for the help!