@stone wrote:I think CCC only report statement balance.
+1
A very few might report on a different day (USBank cards update on the last business day of the month, reporting that day's balance), but otherwise, your balances are updated once a month. That's why you can use your card as much as you like, as long as you stay aware of dates and have the self-discipline (and cash on hand) to promptly pay them off again.
One sorta exception: every now and then, Discover gets the hiccups and updates twice in a month. The next month they go back to their usual pattern. This probably sometimes happens with other cards, too. Seems like HSBC/ Orchard did this around the time that they were selling off their CC portfolio. At a guess, it made their AR (accounts receivable) higher, so they could ask a higher price. 