I have a cc through my CU, and it didn't start reporting to the cra's until recently (I'm thinking this could be because I didn't use it at all for like the first 8 months after it was activated.) Anyway, my utl. is way up, like 80% (only have 1000 cl), but anyway, I Really Really Really want to pay that down to help my credit score, but when my bill comes, it will only be for 600 bucks. Is it possible to pay 800, so that my 600 bill will be PIF and the remaining 200 balance that I would be billed for next month could be paid off as well. I wondered if anyone has ever done this before, if it worked. I'm asking because I sometimes over pay bills if I have alittle extra money so that my next months bill are less in case something happens and I don't have as much money next month as I do now, but sometimes (I think it was Sprint) instead of applying my overpayment to the next bill, they just issue me a check back for the difference. (I HATE sprint btw). So anyone with any input, Thanks in advance!!!!