In that case, you're fine with the cards that you have. You might one day want to add a retail-only card for your mix, but I wouldn't do it before the mortgage.
I have cards from the same banks as you, and they report on their individual statement dates, and they report the figure on the statements. If you go to your online account, poke around until you find a link that says "statements." Click that, and you should get a drop-down box listing recent statement dates. Those are the dates that you want to beat. If you look at the amount on each one, that's what is being reported each time, even if you pay it off the very next day.
Concentrate for now on controlling what figures are reported to the CRA's by that paying a bit early thing, and thus your util, and that should do the trick.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007