AMEX 3 Month CLI Question

[Anonymous]

So I recently got approved for the Blue Cash, and I was wondering if I should be paying off the card to 0-1% before the statement cuts or let the statement close with whatever balance I have and PIF after closing date. I'm assuming it doesn't matter which method works and it'll vary mostly on a users profile on what type of CLI they'll get, but I just want to verify using others experiences. Thanks for any information. 

[M_Smart007]

Amex likes "swipes" and PIF.

Don't try to buy a "CLI"  .. you could be disappointed.

They also "SP" your EX quite often and look at "other" things.

[HeavenOhio]

Statement balance doesn't matter. You may pay either before or after. As a matter of fact, high utilization tends not to matter either as long as the card is paid in full. Second best to paying in full is paying a substantial monthly amount toward one's balance.

[Anonymous]

---

@M_Smart007 wrote:

Amex likes "swipes" and PIF.

Don't try to buy a "CLI"  .. you could be disappointed.

They also "SP" your EX quite often and look at "other" things.

---

Ahh, I understand. So I should be buying tons of smaller purchases as just to a single purchase. Fair enough, thanks. 

[Anonymous]

---

@HeavenOhio wrote:

Statement balance doesn't matter. You may pay either before or after. As a matter of fact, high utilization tends not to matter either as long as the card is paid in full. Second best to paying in full is paying a substantial monthly amount toward one's balance.

Thanks for the information. Right now my card is sitting at 70% UTL, so I'll pay it down to 10%, then PIF the rest of it off after the statement cuts. Just trying to make sure I'm doing this 3X CLI method correctly. 

[ccquest]

61 days too by the way, don't have to wait a whole three months unless you feel that might put you in a better position.