https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765239#M789313 <P>Hey guys, currently my SPG is about 60% usage, BCP 5%, Green 0%, Chase 20%, Discover 50%. My 61 days with Amex BCP is Feb 20th. Should I just pay off my all credit cards now? My SPG's fisrt cut is 7th as well as BCP, Discover on 9th, Chase will cut on 19th. I really want to keep the money in my bank as long as possible. What's my strategy? Thanks guys!<img id="smileyembarrassed" class="emoticon emoticon-smileyembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-embarrassed.gif" alt="Smiley Embarassed" title="Smiley Embarassed" /></P> Sun, 26 Jan 2014 22:11:50 GMT DavidZeng 2014-01-26T22:11:50Z https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765239#M789313 <P>Hey guys, currently my SPG is about 60% usage, BCP 5%, Green 0%, Chase 20%, Discover 50%. My 61 days with Amex BCP is Feb 20th. Should I just pay off my all credit cards now? My SPG's fisrt cut is 7th as well as BCP, Discover on 9th, Chase will cut on 19th. I really want to keep the money in my bank as long as possible. What's my strategy? Thanks guys!<img id="smileyembarrassed" class="emoticon emoticon-smileyembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-embarrassed.gif" alt="Smiley Embarassed" title="Smiley Embarassed" /></P> Sun, 26 Jan 2014 22:11:50 GMT https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765239#M789313 DavidZeng 2014-01-26T22:11:50Z https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765329#M789339 <P>If you want to keep $ in bank as long as possible I suggest payoff 2 days prior to statement cut, always want to give self time in case it doesnt go through for some reason.</P> Sun, 26 Jan 2014 22:51:40 GMT https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765329#M789339 gdale6 2014-01-26T22:51:40Z https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765331#M789340 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/763931">@gdale6</a> wrote:<BR /><P>If you want to keep $ in bank as long as possible I suggest payoff 2 days prior to statement cut, always want to give self time in case it doesnt go through for some reason.</P><HR /></BLOCKQUOTE><P>Thank you so much! Should I just pay off all other cards to 0 before statement cut, and just leave a very small balance cut on my Freedom?</P> Sun, 26 Jan 2014 22:53:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765331#M789340 DavidZeng 2014-01-26T22:53:35Z https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765335#M789341 <P>IMO that would be okay though any revolver would do the job.</P> Sun, 26 Jan 2014 22:55:45 GMT https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765335#M789341 gdale6 2014-01-26T22:55:45Z https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765339#M789343 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/763931">@gdale6</a> wrote:<BR /><P>IMO that would be okay though any revolver would do the job.</P><HR /></BLOCKQUOTE><P>Thanks for your help~</P> Sun, 26 Jan 2014 22:56:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/About-AMEX-61-day-utilization-game/m-p/2765339#M789343 DavidZeng 2014-01-26T22:56:43Z