I keep seeing everyone talk about paying before a statement cuts and wonder if I should. This is regarding my amex zync charge that I PIF every month on the due date. I don't know if it is worth it or not since it is a charge card and doesn't calc into my utl?
I have about 60k total credit with 16% total util not counting my zync.. I usually use it between 4 and 6k a month, this month I went light, used some other cards that I carry balances on and kept it to 3k. I dont plan on apping for anything soon, my next goal is a 3x CLI on my amex costco TE, I was denied in September and plan on trying again in January.
Any advice or comments appreciated.
