AZEO (All Zero Except One)
A credit-utilization optimization technique where you pay all credit card balances to zero except one, which you leave with a small balance to report. Maximizes the credit score impact of utilization without sacrificing payment history.
Why it matters
Credit utilization (revolving balance / credit limit) is a major credit score factor. A lower utilization is better, but reporting zero across all cards looks worse to scoring algorithms than reporting a small balance on at least one card. AZEO is the disciplined version of this insight: zero on all except one, that one carrying ~1-9% of its limit at statement time.
For people optimizing their score for a specific event (mortgage application, car loan), AZEO can move a score by 10-30 points within a single statement cycle. The math is real, the technique is well-established, the discipline is what most people lack.
How Ajeris handles this
Ajeris's utilization tools track per-card utilization and recommend AZEO scheduling. The agent can plan and schedule the right payment to fire before the statement cuts so the optimal balance reports. Live execution is on the roadmap; today the agent recommends and schedules the recommendation for user approval.
