Established Contributor
Posts: 504
Registered: ‎08-28-2012
Re: Strategy for gaining $5k+ CL experience

Koop10010 wrote:

If you PIF by your due date, your statement balances will show on your credit report.  You need to make sure the statement balance is 0 if you want 0 to report.  Unless you are going to apply for more credit real soon, there's really no need to worry about reported utilization though.  Just make sure to pay by the due date, that is really the only important thing.

I PIF before my cycle closes.  It still shows high balance, even though my statement balance is zero.