I rotated the card I leave a balance on, and ended up having them all paid at the same time. I have a card reporting a balance in two days, so the total time all were paid in full is only about a week. Still, here are the results: credit scores down 24, 18 and 13 points. When I have small balances on two cards at once, I lose about 6 points on each score vs just one reporting.
Does it hurt to have the same card reporting the balance each month and the rest always zero? I’m now starting to transition from secured to unsecured cards, and I don’t want to hurt my chances at CLIs.