The lower the better but not at zero . 20 % is good though you want at least 30 % or below . But utilization has no memory so you dont have to micromanage it , if you need your credit score lower for an upcoming loan just pay down everything so you ' re near zero a month before so your credit report has time to update and go up a bit . <| sep |> Lol wtf ? Such a strange reaction . <| sep |> I still see people doing this all over the place , even Golds and Platinums . It ' s frustrating as all hell . <| sep |> I got my main role more times during season 2 ~ season 5 than season 6 and this preseasonlol <| sep |> look at the HP Zbooks , they have quaddros <| sep |> Splendid . I hereby certify you Honorary Brit . <| sep |> I don ' t know if they still do , but they used to out an authorization for the full amount , but would only charge the discounted price .