Here's what I do. I get my statement and pay whatever it says the full balanace is. Is that not the way I should do it? Occassionally, I'll call my CC and pay whatever the balance is when I call, without getting a statement. Then get a statement a few days later. That's alittle confusing, because I still get a statement with a balance, I say to myself, "I thought I paid this" then call the CC and sure enough the balance is $0 or not the same as on the statement.