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 about 7% utilization; people with perfect 850s average about 4%. Not 30%. Newer models like FICO 10T look at your balance history, but most lenders still use scores that only see your latest balances.