About AMEX 61 day utilization game

[DavidZeng]

Hey guys, currently my SPG is about 60% usage, BCP 5%, Green 0%, Chase 20%, Discover 50%. My 61 days with Amex BCP is Feb 20th. Should I just pay off my all credit cards now? My SPG's fisrt cut is 7th as well as BCP, Discover on 9th, Chase will cut on 19th. I really want to keep the money in my bank as long as possible. What's my strategy? Thanks guys!

[gdale6]

If you want to keep $ in bank as long as possible I suggest payoff 2 days prior to statement cut, always want to give self time in case it doesnt go through for some reason.

[DavidZeng]

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@gdale6 wrote:

If you want to keep $ in bank as long as possible I suggest payoff 2 days prior to statement cut, always want to give self time in case it doesnt go through for some reason.

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Thank you so much! Should I just pay off all other cards to 0 before statement cut, and just leave a very small balance cut on my Freedom?

[gdale6]

IMO that would be okay though any revolver would do the job.

[DavidZeng]

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@gdale6 wrote:

IMO that would be okay though any revolver would do the job.

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Thanks for your help~