Good Morning,
Thought I was figuring this out BUT.... My Discover Statement cuts on the 20th. I owed 29.95 so I paid that and used the card again on the 19th. Takes 3- days to post. Checked Discover all weekend so last night the website showed my 29.95 payment and 0.00 due on the 15th. Just the way I wanted it considering I have been paying several times a month. I’ve been trying to swipe a lot and PIF.
Checked my EX score and it shows my balance as 76.05 not the 0.00 that my statement shows 🙄. So I lost 3 FICO points. I thought they reported what ever my statement showed? 3 points is a lot when rebuilding. I just printed my Statement and it shows balance 0.00! I did expect them to report highest balance as $76.05.
Thought I was figuring this out BUT.... My Discover Statement cuts on the 20th. I owed 29.95 so I paid that and used the card again on the 19th. Takes 3- days to post. Checked Discover all weekend so last night the website showed my 29.95 payment and 0.00 due on the 15th. Just the way I wanted it considering I have been paying several times a month. I’ve been trying to swipe a lot and PIF.
Checked my EX score and it shows my balance as 76.05 not the 0.00 that my statement shows 🙄. So I lost 3 FICO points. I thought they reported what ever my statement showed? 3 points is a lot when rebuilding. I just printed my Statement and it shows balance 0.00! I did expect them to report highest balance as $76.05.
I did use the card on the 19th so that’s a legitimate charge for $76.05. Just surprised it was reported when my Statement reported 0.00.
I’ve seen Discover report the balance as of the report date. There was a thread a while back where others reported this too. In my account it does not happen all the time, but it does happen occasionally.
I won’t do that again. I started to pay with my debit card, but thought it was good to show more usage on that card and just pay it off in a few days. They put a notice up saying I could not make another payment. That was paying through Discover. Next time I will do it through my bank, which shows as paid in 2-days. A learning experience for me. I wanted to keep my usage at 4%. Now it shows 11%.
It seems that they all try to go ahead and post any pending stuff ahead of statement, so I make sure that none are pending until day after statement.
@ImTheDevil I’m learning. Though I had it figured out. Trying to make sure only one reports.
You'll get the points back. I've gotten that it could take up to 8 days thing when you try to make payments too close together before the first one post to the account. Thought i paid what I wanted to post. But didnt notice that little section under recent acivity had a slow pending charge. No big deal. You sneeze and some CRA's will takes 3 points just because. 
Wish I had known that. I’m still learning. I try to read on here every chance I get. I have managed to stick to my plan of only using the cards To Purchase what I normally purchase. Only a few points 🙄 been telling myself that all day.