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I know when you're going for optimal util, one needs to pay the entire balance and not charge anything before the statement cuts.
I'm curious as to who PIFs the statement balance and who PIFs the full balance when they're not going for optimal util %?
I've just gotten cards with, IMO, great limits, and have no need in the immediate future to really optimize my overal util. I'm just gardening, keeping total util <15%, hoping for some auto cli luv, and wanted to know what everyone else does.
I usually pay the current purchase balance (aside from the Discover) as I find it easier. I like to "think" that each statement I'm starting over from zero, if that makes sense.
@xsvspd wrote:I know when you're going for optimal util, one needs to pay the entire balance and not charge anything before the statement cuts.
I'm curious as to who PIFs the statement balance and who PIFs the full balance when they're not going for optimal util %?
I've just gotten cards with, IMO, great limits, and have no need in the immediate future to really optimize my overal util. I'm just gardening, keeping total util <15%, hoping for some auto cli luv, and wanted to know what everyone else does.
Well based on the way you wrote this PIF the statement balance would mean to me that it's already reported and generated a statement so at that point paying statement or current balance won't change that the statement balance already reported... if you are trying to get a certain balance to report to credit you would be paying the amount to bring it down or to zero BEFORE the statement generates.
I think for the most part on a ongoing monthly basis this is to much work and very not necessary for the average person.