For those that run all bills through their CCs...

[getmycreditright]

What's your plan? How do you manage it? I finally have the credit lines that will enable me to do this and I would like to take advantage of the rewards. I get paid bi-weekly, but I'm apprehensive because it seems that I would always have a balance reporting. Your feedback is much appreciated.

[Yankeefan]

Just keep track of your bills and other charges and pay that total amount, less 1% for utilization, two or three days before your statement posts.

[CreditScholar]

I do this and honestly its not all that difficult. Util only matters when you're about to apply for new credit, so when you plan to do this just make sure you plan 2 months in advance and pay before the statement cuts. I always have something reporting and average around 20-25% util every month. It hasn't stopped me from getting instant approvals. The other thing to keep in mind is budgeting properly. Because your statement will be large every month, you need to track your spending properly and set aside money for that each paycheck. People who don't do this often find they can't cope when the bill comes showing 4 weeks of charges, simply because they only have one paycheck remaining after they spent too much earlier in the month. If you're the kind who impulsively applies for cards, then this might not work either.

[Revelate]

Pretty much what CS stated.

In my case all of my bills come between the 15th and roughly 25th, so I just simply pay all my cards on the 1st for everything except my Amex and I get easy peasy balance management.  Alternatively what I did pre-Amex non-factoring into revolving utilization in FICO '04 and higher: I simply put all the bills on my everyday card anyway that was always the one I used to keep non-zero, and just pay enough earlier enough to know that I wouldn't cross the theoretical 9% boundary.

It wasn't difficult to accomplish by my working out the dates on the bills and their usual size vs. my card payment dates.

[getmycreditright]

I'm not the type to impulsively apply for cards. I had two low limit Capital One cards for the past 5 years and I had my first app spree after gardening for two years and were approved for the cards below.

As far as my bills go, I had wanted to have them automatically paid through my CC so that I wouldn't have to worry about them. The problem with that is I pay all bills that are due two weeks out on the days I receive my paychecks, which would not coincide with the dates for the auto drafts. Should I stay on my normal bill paying routine and just use the CC and then PIF for those amounts? I was really hoping to just have everything on auto pilot, but I guess I'll have to see how it all shakes out.

[linux007969]

i try and rotate my expences through my cards so i dont have one maxed out. I pay in full each month, and sometimes pay a bit before the statement generates so my utilization goes down and it also makes it affordable since i'm spliting up payments but still payingthe rest in full before the due date to avoid interest charges.I obtain regular credit limit increases on my GE accounts to build good history plus have some extra wiggle room.  I also use quicken to help keep track of everything cuz if i didn't i think i'd go crazy trying to figure out all this on paper or in my head.... lol

[getmycreditright]

LOL! I know exactly what you mean.

[compassion101]

I just let the balances report and pay them 4-5 days before they are due. If I need to apply for some credit it's easy enough to do some advance planning, otherwise I enjoy using the float.

[RockinRay]

In my case, I pay all of my online bills with my US Bank Cash + Visa. One account pays them all.

I budget the monies paid out in my budget program and I wait until I get the statement to pay. I am not currently looking for any new credit and this has not really had any affect on my scores.

The day the satement arrives, I balance against the budget and set the payment to pay one day before it is due.

This so far has worked out very well for me. And the Cash + Visa pays me $125 in rewards every other month.

[Sparkz1920]

I know how much rent, cable, car more, insurance and cell phone bill run me

They're gonna get paid as they are necessities before anything else and it's already budgeted in.

Charge it....push payment through. I use different cards depending on when the statement cuts and when I get paid.