Valued Contributor
daybreakgonesXe
Posts: 1,864
Registered: ‎11-17-2012
Re: How many days do YOU PIF before statement cut?

Joesh wrote:

So does reporting 0% utilization actually help your score? I thought the goal was to report between a small nonzero amount (like 5%)


Not really; you're right, reporting a small nonzero amount is best! I'm just discussing having an overall utilization with just one card reporting, instead of all my cards reporting balances.

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 809/990 Credit Sesame (EX) 766 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721