The ideal number is 2% utilization, according to the FICO people.

Overall utilization is a factor and each card's utilization is a factor.

It's not a linear scale, so for most people, under 10% on both of those is top tier.

Another factor is how many cards report a balance. Ideal is 1. 2-3 is usually top tier.

If any of your cards is HSBC or USBank, they tend to report balance on the 1st of the month, not statement balance.