@Snack Trader: Thanks for the clarification. I'm slowly stating to catch on to this "scoring" stuff-even though I'll never COMPLETELY understand it-LOL
Okay, just to reiterate the model...
I have one cc $7K. Balance is $97. Statement cut 9/16 and the bill is due 10/13. For one cc, its 1-9%. Let a balance report then PIF before due date so $0 reports by 10/13. Then do it all over again...let a balance report 10/16 then PIF before 11/13?
Once I add another card, I'll have to check back in.