How to Use to Limit & Still Report Low Utilization?

[supervelous]

Now that I have 2 rewards cards with bonuses to hit and points that can be earned, I will be using my credit cards in the months ahead for purchases I'd normally use Debit, and pay in full each month.  How does the reporting system work?  What would the timing be to pay down my balance before the card reports to the CB's?  Is it when statement cuts??  Or different for different lenders.   My cards are both with Chase.

[simi_go]

IMO Chase reports the statement balance within a few days of the closing.  So just make sure you pay it down a few days before the statement closing date, and don't use it and you will be fine.