Super excited, this is the first time since I've gotten the card that I've been able to PIF, and actually pay extra before the statement cut.
Last time I came close, I had a $4 charge which had been "pending" so my balance reported as $4
The way I did it was by paying in full all charges on 8/3/12, statement cuts on 8/8/12
I told my husband to use cash only for 4 days, I started using my Amazon Visa, which I carry as back up.
I Paid again in full on 8/6/12, which was only like $82 dollars. I also pushed a payment from NFCU for $250. After these payments hit, I had a Credit Balance of $86.
When the statement closed, I had a credit balance of $23 dollars.
I'm so happy 
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
AWESOME
i acutally had the same little situation with my AMEX, it had reported a $104 balance even though i had just paid $1,544 for the entire balance...or so i thought lol. i just didnt account for the PENDING $104 charges to get reported. so this month i had to do like you and use a diffrent card until the statement cut to make SURE the darn card reported a zero balance.
@Anonymous wrote:I didn't believe charge cards like the Zync counted in your utility / accounts with a balance. Am I missing something or are you referring to a different AMEX card that isn't included in your sig?
you are correct, they don't count in utilization, however, they do show up as an account with a balance. my goal was to just get the card to report a 0 balance
Yep, it was a personal goal of mine just to get it to report zero!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:Super excited, this is the first time since I've gotten the card that I've been able to PIF, and actually pay extra before the statement cut.
Last time I came close, I had a $4 charge which had been "pending" so my balance reported as $4
The way I did it was by paying in full all charges on 8/3/12, statement cuts on 8/8/12
I told my husband to use cash only for 4 days, I started using my Amazon Visa, which I carry as back up.
I Paid again in full on 8/6/12, which was only like $82 dollars. I also pushed a payment from NFCU for $250. After these payments hit, I had a Credit Balance of $86.
When the statement closed, I had a credit balance of $23 dollars.
I'm so happy
strange this month i am doing the oposite, here sitting waiting for my statement to cut so it will post a high balance, got my Credit Reports last week and saw that my AMEX Zync is reporting a high balance of $24 which looks like i rarely use it because I always pay before the statement cuts except for the first one where I had a $24 balance. So this month I am waiting for it to report $402 then will pay it off the same day.
Haha we did that with the june statement, it reported a high balance of 5782. That was a high spend month for us, due to weddng and honeymoon, so I went ahead and let it report.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!