@Anonymous wrote:Thanks everybody for the advice. Cutting it close is what I was worried about. I think I'll use my revolvers instead. Just for reference, is it 30 days to pay for Amex charge cards after the statement?
Yep, the easy way to remember it is that you need to have the bill paid before the next statement generates (whatever date that is).
They put a "Please Pay By" date on charge card statements, but it's said to be more of a guide than a due date. What you don't want to happen is to get a statement with a previous balance due - that's bad. 
@Ghoshida wrote:@Anonymous
The PRG doesn't have a due date.
It has a "please pay by" date. Since my first statement.
That is NOT the due date, if you want the analogue to the credit cards like BCE.
It's a legacy where they wanted you to snail mail the payment by that day so that it reached them by the next statement day.
Otherwise, just make sure you pay off the previous statement balance in full before the new statement is generated. To be safe, I use a 25 day cutoff in the auto payment.
this never clicked in my head that all they want is the payment before the next statement. makes sense! but its their payment due upon and please pay day that locks in my head i have to have it paid by the 3. now i know its due before 19th.
@Ghoshida wrote:@Anonymous
The PRG doesn't have a due date.
It has a "please pay by" date. Since my first statement.
That is NOT the due date, if you want the analogue to the credit cards like BCE.
It's a legacy where they wanted you to snail mail the payment by that day so that it reached them by the next statement day.
Otherwise, just make sure you pay off the previous statement balance in full before the new statement is generated. To be safe, I use a 25 day cutoff in the auto payment.
+1 ^^^ This exactly.
I did a poor job of explaning this in my previous post, but this is spot-on. 
Awesome I think I got it down now. I thought of a tricky way to have my cake and eat it too. I am going to charge to my Amex charge card, if I am getting too close for comfort to the due date and no stipend yet I am going to balance transfer to my Capital One that closes at the end of the month.
@Anonymous wrote:Awesome I think I got it down now. I thought of a tricky way to have my cake and eat it too. I am going to charge to my Amex charge card, if I am getting too close for comfort to the due date and no stipend yet I am going to balance transfer to my Capital One that closes at the end of the month.
While many balance transfers happen within a few days, some take a long time (2-3 weeks even). I would not get close to less than a week from next statement and then try for a BT.
@Ghoshida wrote:
@Anonymous wrote:Awesome I think I got it down now. I thought of a tricky way to have my cake and eat it too. I am going to charge to my Amex charge card, if I am getting too close for comfort to the due date and no stipend yet I am going to balance transfer to my Capital One that closes at the end of the month.
While many balance transfers happen within a few days, some take a long time (2-3 weeks even). I would not get close to less than a week from next statement and then try for a BT.
Ghoshida is right. Although, I must say that I was surprisingly impressed at how fast Capital One processed DH's recent balance transfers. They were done within days. It's the fastest I've ever seen. Best of luck OP!