haulingthescoreup wrote:Be aware that AmEx reports the previous month's balance, so if you ever do have a balance post, it will affect your util for a while. I'm baffled as to why they do this.
See ,that's what I'm talking about HTSU.
You say 'before I knew better with my USAA AMEX'. What do you mean ??
Are you talking about PIF in general on all accts ? Or do you mean a USAA AMEX ? I thought that it was resolved through answers above that it doesn't matter. USAA sets their own policy and it's fine to carry a balance.