@Anonymous : wrote:
@NRB525 wrote:
The whole pay-before-Statement-cut is overrated. Don’t fall for it month-to-month.It’s not overrated if you are past 28.9%. I don’t even like my cards reporting over 8.9% which is my personal comfort level but <28.9% is a target everyone should have.
Both are correct depending on ones profile, credit score, personal comfort level and looking at profit numbers.
Having auto-pay and using the float is a financial win however it come with maybe 15-25 point fico swings and if a sudden need for loan not always showing your best. Controlling utilization is giving up some of the float, however if one sleeps better not being in debt, and knowing they have higher scores, this can be of great value. Scores mean more or less depending on how close to thresholds you fall. For some 25 points means nothing and for others a higher loan rate. I believe this is a YMMV and depends a great deal on personal comfort choices.
@Anonymous : I also control my utilization even knowing I would still be in the excellent scores category with the 25 point loss. The float is not worth the score drop, or loss of comfort I gain by having my debts paid early.
Someone has to pay the taxes that let the cards give rewards, points, and Subs.
I leave money on the table for the rest of you. ! 
@Kforce wrote:
@Anonymous : wrote:
@NRB525 wrote:
The whole pay-before-Statement-cut is overrated. Don’t fall for it month-to-month.It’s not overrated if you are past 28.9%. I don’t even like my cards reporting over 8.9% which is my personal comfort level but <28.9% is a target everyone should have.
Both are correct depending on ones profile, credit score, personal comfort level and looking at profit numbers.
Having auto-pay and using the float is a financial win however it come with maybe 15-25 point fico swings and if a sudden need for loan not always showing your best. Controlling utilization is giving up some of the float, however if one sleeps better not being in debt, and knowing they have higher scores, this can be of great value. Scores mean more or less depending on how close to thresholds you fall. For some 25 points means nothing and for others a higher loan rate. I believe this is a YMMV and depends a great deal on personal comfort choices.
@Anonymous : I also control my utilization even knowing I would still be in the excellent scores category with the 25 point loss. The float is not worth the score drop, or loss of comfort I gain by having my debts paid early.
Someone has to pay to taxes that let the cards give rewards, points, and Subs.
I leave money on the table for the rest of you. !
I guess for me it’s much more important to manage my utilization since my scores are not that great. If I wasn’t sitting at 9 accounts added in the last 12 months, I wouldn’t micromanage as much.