I asked a very similar question a few days ago. I ended up paying $500 on both of my cards instead of $1000 on one. I had an emergency last month and had to spend a ton of cash plus money on my credit cards. It's a very good point that it only reports for that month if you can get it paid off the following month. Which is exactly what I'm going to do. On the 7th I will pay off the remaining balance on both of them. Good luck! We'll get it back to where it needs to be :-)