<prompt> Human: My score is around a 535 bad I know ... I have one card well and authorized user that has a 190 balance with a 200 limit.Now, plugged it into the simulators to see kind of how my score would be effected if I paid off that 190 balance in full.The estimates were that my score would boost from the 530s to a whopping 610.Ive heard utilization is a key factor, but can it really make that much of a difference?Assistant: 30 of your credit score is based on your utilization, with that being said I would try to pay in full every statement and then eventually apply for a card with better benefits and larger credit limit when your credit score is better. Human: Usually setting up an auto-pay will pay when the statement is made, rather than before correct? I wouldnt want a 0 balance being reported.  <response>: Better to have 0 reported than 190 of 200. I often have 0 reported and my scores are all 750 