<prompt> Human: Even on rpersonalfinance Ive heard that utilization rate does nothing for your credit score and you should always pay it off, or you should leave a little bit of your total credit limit generally less than 10 though 30 isnt going to hurt you too much.So, is there definitive proof either way?I know Fico apparently wants a utilization rate, because I just dropped 13 points on two of my three credit scores after paying off a card of more than 10 utilization rate.  <response>: I think youre confusing different pieces of advice, because there is no dispute, at least here, about paying off your credit card every month.You should pay the statement balance in full every month before the respective due date. The advice about leaving 10 to 30 on the card is regarding the statement balance itself in relationship to total utilization. You should still pay that statement balance off in full when the statement comes. You should not be carrying a balance.The 10 to 30 utilization and honestly less than 10, but greater than 0, is even better doesnt really matter though, as utilization has no memory, so no need to micromanage that, or hardly even think about it unless youre applying for credit in the very near future. 