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This hurts my little brain. Does it make a difference whether you PIF (completely) by the due date, or pay in full (according to your statement) by the due date? The cards that I've been practicing this with I've been PIF completely, whatever I've charged up to the due date. I'm not leaving any leftover (unless it's pending and the card doesn't allow me to pay that much). Am I doing it wrong to get the most out out my score?
I have 2 cards I've been rotating, they are due opposite times of the month so it has worked well in regards to paying and reporting zero but for score purposes maybe not to the fullest?
I just got off the phone with CHASE and I asked if the statement cut is the same date as when they send the information to the credit companies. He said no they only report to them every 60-90 days at random.
I found out my statements are set to arrive on the 8th of every month and my due date is on the 5th of every month. So on April 8th I will receive my billing cycle for March 5th - April 5th? And on May 8th I will receive my billing cycle for april 5th - May 5th? So I can use my card however i like (assuming i stay within my limit) and then just pay it down to $100 at least a week before my statement comes in order for it to report my utilization as around 10% right? I just realized the due date and the statment cut overlap witheach other but they're reporting for the month before.
Is this all correct? Thanks