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DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
Re: Question about Utilization and Balance
[ Edited ]

for the BoA card, have one recurring monthly bill that posts on the 15th of the month of later post to this card. (since statement date is the 14th)

 

For the Capital one card, do the same thing with having one regular payment post just after the statement closing date.

 

For the NFCU card, use this continuously for everything else.

 

Pay all of your balances IN FULL a few days before the statement closing date.   For BoA and CapOne, this will result in a $0 balance being reported to the credit bureaus.  For NFCU, if you are using it continuously, you will have a small balance post because you are using it continuously.  As long as less than $800 posts between the time you paid in full and the statement a few days later, you are GOOD.

 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k