Yah, like I said, the easiest way to look at it, is be sure your account has a zero balance before the statement cuts. Because what ever is on your statement at the end of the billing cycle is what will report. Once you get one cycle reporting zero, the rest is easy, just be sure you've paid for all your charges before the end of the billing cycle. If you pay previous months charges after the statement cuts, then it will do you no good. 
