mortgage application and credit card

[seratonin]

Hi.  I have a credit card I use a lot and pay off before the end of the month.  I get points for purchases so I run most of my purchases through it.  I pay it online so the large payments to the credit card company show up on my bank statements.  I may soon apply for a mortgage.   I read that mortgage companies look at your last three bank statements.  Will this be a problem or considered negative?  Will I have to explain it or should I just stop doing this?  The balance is zero or low at the end of the month.  Thanks for any information or advice. 

[BrianB_The_Loan_Professor]

Be prepared to document and explain this

You may simplify by not doing it for a couple of months prior to the mortgage but if not this shouldnt be an issue

just know it will have to be clearly explained to the underwriter

Brian

[seratonin]

Thanks for your response.  I think I'll go for easier and stop. 

[clipperskipper]

I've been wondering the same thing as I wind down the last month, and I'm debt free. I've been using cash and money orders to pay of the CC's.