<prompt> Human: Say i have a 4000 limit on my card. And I utilize 100 of it and pay it off as soon as the pay period closes. What would that do to my FICO score? Would it affect it? What if on average my utilization is 812 and I owe nothing on the card?  <response>: 100 is bad, regardless of when you pay it off. Below 20 is good. Look at this chart: This question gets asked daily, so try using the search bar to search this subreddit for credit utilization first. 