He folks, I'm in the process of repairing my credit and have a general question. I have a BOA secured credit card and am aware of the notion of not going over 10% of your credit line. I spoke to a bank representative today who said they report the "high balance" to the credit bureaus the day after the cycle closes. I've paid the entire balance on every statement so at the beginning of the next cycle my balance is always zero. My concern is if I were to go over 10% at some point during the cycle but made a payment before the cycle ended that brought the balance below 10%, would I still show up the credit bureaus as having eclipsed the "red line?" Thanks for your input.