ok so let me get this straight, report less than 8.9% balance (anywhere under $178 for me), then the following 6th(day before my statement generation date) have it be zero?
thank you you all for the massive help, really trying to nail the whole credit thing 17 months late lol
You should have two dates. Due date and closing date. With one card, managing the report is a little tricky because you can't use the card organically if you're trying to isolate the $ because of pending / unposted charges.
I would pay a few days before the due date to have desired number to report. Don't use the card. Let statement cut and close. Pay to zero. Then, repeat spend cycle.
Ok look at mine, statement cut is on the 9th payment due date is on the 6th and per my CR it updates on the 13th so say I have a zero balance reporting or just a zero balance for last month but this month I have 5k in spend so if I don’t want 5k reporting I’ll need to pay it off/down by the 6th or 7th before the statement cut aka closing date