Question on charging up to Max on CC

[pizza1]

Just a quick question with hopefully a few responders

I've heard different versions on this, and needs more opinions. Is it ok to charge up to the max your cc, and then pif like a week before the statement cuts? Lets say my limit is $1k. Can I run $1k thru it in a month, and then turn around and pif even like a few days later, or pay down to like 1% before statement cuts??

I've heard it's ok, then heard not to do it.... I don't see the big deal if you're pif before statement cuts! I've heard never charge more than 30% on CL, but I see in these boards people running like $3k thru a $1k card, but are also making several payments though the month. Is that ok to do?

Just wanting some advice. I have one cc with a $500cl. I ran $252 thru it last statement, but pif before statement cut and it reported $0 bal. will it also reports that I charged basically 50% of CL, and then that looks bad? I'm so confused!!! I need clarification please!!! Lol thanks

[enharu]

Just use it according to your needs. Even if the card is to report a maxed out balance, it won't be an issue as long as you don't drag that balance on perpetually while making only small payments.

I have my CSP reporting >100% utilization. It did ding my score considerably, but none of the lenders have taken AA against me. The balances are already all paid off though I did rack up some new charges again.

I'm not planning to apply for anymore new credit soon so it's essentially a non-issue.

[Swapmeet]

If your payment is posted before the statement cuts, then it does not matter. The only thing that matters is what your statement says.