The difference points up an important fact. The higher your score, the more points you tend to lose from bad actions. That's because the scoring formula is sensitive to any sign you're getting in over your head maxing out a credit card is considered one of those signs. You should also know that as typically doesn't matter to the formula if you carry a balance, or pay off that maxed out card as soon as you get your statement. What's usually reported to the credit bureaus is the balance on your last statement. Even if you pay the debt in full before the due date.

The maxed out card will hurt your score.