Making Payments

[Anonymous]

I'm able to PIF.  It's just been forever since I've been worried about utilizations and payments etc...  I guess I should have phrased this differently.  If I chose to PIF.  Is it better to set Autopay say 1 week before "Due Date" or PIF before the statement closes.  Thus a $0 balance would be reported to the bureaus.  Or let balances be reported...and pay off before payment due date?  I don't know which is most beneficial.  I guess that was the jist of what I was trying to get too...

[Anonymous]

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@K-in-Boston wrote:

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American Express due dates on personal cards and business revolving cards are always at least 25 days after the statement closing.  If OP's statement is closing on the 2nd, their due date will always be on the 27th and only very rarely will the statement close happen on the 1st instead, but the due date will always be on the 27th.

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Not so rarely. The statement will close on the 1st, whenever  the 2nd is a Saturday.