Enter your cards. Get the exact payment amounts to hit under 9% aggregate — or execute the AZEO method — before your statement closes. That's when utilization actually gets reported.
Add your cards, pick a target, then calculate.
Issuers report your balance on the statement closing date — not the due date. Pay down before the statement closes to control what gets reported. Then pay the remaining statement balance by the due date to avoid interest.
People with 800+ scores average 4.1% utilization. Under 9% is where real score gains happen. FICO 10T now "remembers" utilization spikes for 24 months, so consistency matters more than ever.