@Hex wrote:
When I make a charge on my Navy Cards and I make a payment from my checking right away (like in the parking lot from the store) the payment always posts before the charge. Right now my Flagship has a $500+ credit balance. I learned I could do this when I was meeting my SUB on a $500 credit limit Navy Amex Card.
It seems NFCU is crediting payments much faster than previously. I just overpaid both the goRewards and Flagship yesterday from NFCU checking and both are showing credits today. I could swear it used to take a couple of business days. I suppose there is no issue with controling balance reporting then.
@Anonymous wrote:OP, if you intend to always pay off your balance before it reports to the credit bureaus, how do you intend to establish a High Balance for the account? Presumably the current derogatories fall off creditors other tnan NFCU will be looking at your credit report; and without any activity reporting it will appear that you haven't used credit.
I had not thought about that. My GoRewards shows a $4k plus high credit abount from earlier this year or last when I was trying to suppress my scores due to wanting to look insolvent. 
I suppose as time goes on, I could, one by one let my cards report a higher balance but don't want to do that to Discover as I would like that to unsecure as soon as possible. Not sure about my AFCU card but could let each report a balance after they turn to unsecured lines.