Best Way to Have CC's Report $0 Balance

[EW800]

After reading numerous messages about how having all but one or two CC's report $0 balance to the CB's, I was just wondering what the best way is to do this, other than not using the card at all.  Will just paying in full by the due date do it or do we need to pay in full before they even sesnd the statement out?

Thanks!

[Whitneyy]

Pay the balance to $0 before they report to the CRAs.

[EW800]

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@Whitneyy wrote:

Pay the balance to $0 before they report to the CRAs.

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Do most report when the statement cuts, at the payment due date or somewhere in-between?

Thanks!

[elm84]

I looked at my CR to find the date the update. I also messaged my CC companies to ask reporting dates... My capital one card has a due date of the 8th but it reports on the 11th so whatever my balance is on the 11th is what is going to get reported 

[bigboytoys26]

Findout when your credit card closing dates are...these dates are when your cards will get reported. for example my cap1 card is due on the 13th but the statement closing date is the 16th...I make sure my utilization is where it needs to be by the 16th so that amount will get reported. U have to also account for interest...ask your cc company.. but I believe u are allowed to pay all and alittle bit of extra so that the interest is taken care of as well.

[oi]

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@bigboytoys26 wrote:

Findout when your credit card closing dates are...these dates are when your cards will get reported. for example my cap1 card is due on the 13th but the statement closing date is the 16th...I make sure my utilization is where it needs to be by the 16th so that amount will get reported. U have to also account for interest...ask your cc company.. but I believe u are allowed to pay all and alittle bit of extra so that the interest is taken care of as well.

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if you are paying in full there shouldn't be interest. even my crappy cc's have a grace period.