https://ficoforums.myfico.com/t5/Credit-Cards/amex-pay-before-statement/m-p/2563483#M733674 I keep seeing everyone talk about paying before a statement cuts and wonder if I should. This is regarding my amex zync charge that I PIF every month on the due date. I don't know if it is worth it or not since it is a charge card and doesn't calc into my utl?<BR /><BR />I have about 60k total credit with 16% total util not counting my zync.. I usually use it between 4 and 6k a month, this month I went light, used some other cards that I carry balances on and kept it to 3k. I dont plan on apping for anything soon, my next goal is a 3x CLI on my amex costco TE, I was denied in September and plan on trying again in January.<BR /><BR />Any advice or comments appreciated. Tue, 05 Nov 2013 02:03:27 GMT jgodfrey82 2013-11-05T02:03:27Z https://ficoforums.myfico.com/t5/Credit-Cards/amex-pay-before-statement/m-p/2563483#M733674 I keep seeing everyone talk about paying before a statement cuts and wonder if I should. This is regarding my amex zync charge that I PIF every month on the due date. I don't know if it is worth it or not since it is a charge card and doesn't calc into my utl?<BR /><BR />I have about 60k total credit with 16% total util not counting my zync.. I usually use it between 4 and 6k a month, this month I went light, used some other cards that I carry balances on and kept it to 3k. I dont plan on apping for anything soon, my next goal is a 3x CLI on my amex costco TE, I was denied in September and plan on trying again in January.<BR /><BR />Any advice or comments appreciated. Tue, 05 Nov 2013 02:03:27 GMT https://ficoforums.myfico.com/t5/Credit-Cards/amex-pay-before-statement/m-p/2563483#M733674 jgodfrey82 2013-11-05T02:03:27Z