Wanting to report a $0 balance

[Anonymous]

I have a card with a $0 balance but need to make a rather large purchase. If I make a purchase on the date my statement closes will it report with a $0 balance or should I wait until the day after it closes just to be sure? It's a CapOne card just fyi.

[Skye12329]

For capital one or any lender in my case I noticed its roughly 3 days after statement due date is when it cuts. So wait 3 days after your due date is my suggestion.

[Anonymous]

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@Skye12329 wrote:
For capital one or any lender in my case I noticed its roughly 3 days after statement due date is when it cuts. So wait 3 days after your due date is my suggestion.

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The due date is the 25th of each month but the statements are dated the 28th every month. I was wondering if I made a purchase on the 28th if it would report the purchase or not? Thanks for the help!

[Skye12329]

I don't think it should as long as its already cut.

[Anonymous]

Thanks! It'll be PIF by the next statement just don't my util to go up.

[Scupra]

Are you planning to apply for something new? If not, don't stress over utilization so much. If it happens to report, your score may go down until your next statement date. Reporting a high util doesn't hurt your score forever.

[Anonymous]

I just had no min due, regular payment due on the 14th. Statement cuts 17. I paid the card balance 17th and it made the cut. Id just watch online to see when it reports the statement and purchase after to be safe.