I "might" hi 2% util if I do this and the upside is I will make a small amount of interest by leaving the money in my checking account with USAA. .... I am not looking for nor do I need any new credit at this time.
I can't imagine 2% making a difference, or if it does, I would expect it to be tiny. But even if it made a huge difference, if you're not looking for any credit, who cares? If/when you need credit, you can pay them early again, and rebound within one month. I PIF every month, but the ONLY time I paid them early was when I was apping for new cards. My CL was much lower, so my util was much higher. My scores jumped up when I paid early, got the cards I wanted, then reverted back to letting my money earn interest (for me) until the bills were due.
Exactly! I am not looking so it will be intersting to see what my numbers do... I am thinking not too much.
** Every Card has a Job, and Every Card does its Job **