Razeus! this is fantastic info 
It would seem like common sense but really when I was in my 20s i blazed through credit without a care in the world. Running up limits, taking on cards just because I could, and it was SO easy back then. I remember my first citi card for students. Sometimes I paid, sometimes I didn't. But now, lessons are learned. I am nearly nuerotic about paying my bills early or due date. I am officially a myfico junkie breathing in everything myfico. Reading until the wee hours of the night trying to wean information that may apply to my situation or upcoming situation. Willing my scores in the 700s across the board lol! I am still trying to get the statement cut date thing down but in general my CR looks like a responsible adult lives there (mostly in part to this forum!). I think I will def open a bill paying account versus paying everything out of one bucket.
Thanks for the AWESOME tips!!!
