I have a card with a $1000 balance that sits at $900 used because I had to get medical things and other things for school, they just all sprung up at once and I only use this card emergencies and gas. I understand that the balance dropped my score on credit karma from 690 to 574 and FICO to a 651. My cards 0% interest ends this month, my question is, if I pay 80 to all of that balance off before it reports to the bureaus, would that boost my score back to its original score or more? And should I pay it all off or leave $20-100 on it so it reports that I’m using some of the credit? Thanks!