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@waters wrote:
Remember the simple fact that the only people in the world that religiously pic before their statement cuts are people on myfico.
Ask all of your friends with perfect credit and they will tell you they wait for the bill and pay... Like.. Normal people.
+1
if this is a 1 time thing of max out your card that is not a big deal. What I would recommend though is NOT to report 0 balance all the time but pay down to less than 20$ and let that amount report. Fico does not like 0 balances on all accounts and if this is the only card then you should rather let a small amount 1-9% report every month.
But for this time do not worry too much about that... most important never be late !
PS: Fico does not have a memory. So the points you are loosing for a maxed out card you will get back as soon as the balance is paid down again. If you are using SW as monitoring you can see it as a test to see what impact utilization has and it might be an interesting experiment.