@CreditCurious wrote:
@SRT4kid93 wrote:
I always stop using my card a couple days before the statement closed to ensure there are no pending charges.
Why do this?
If you have pending charges when your statement generates, it won't be an issue. They will show up on your next statement in 30 days. There is no credit rating impact, and interest will not be charged.
If this is a matter of managing your credit limit, you still should not worry about it. If you need to pay mid-cycle because you have a low credit limit and you need the room, just send a mid-cycle payment and go on with your life.
People do this so that their statement cuts at $0. Which allows them to do AZEO. Which almost always shows your credit score in a better light. Saying there is no credit rating impact is incorrect.
Sock - 
Chopping Block - 
Debit Cards - 
@SRT4kid93 wrote:
K force was exactly right. My current balance was in the $480 ish with pending charges and I wanted to make sure i had enough payment to cover all pending Incase they tried to tack them on before the statement closed.
the reason I have never done this is because I always stop using my card a couple days before the statement closed to ensure there are no pending charges. But this month I didn't do that, due to a car repair bill and I wanted to put it on my card to get the 1.5% cash back
Just had this happen to me on BCP, EZPass automatically charged me $80 on the day my statement closed and AmEx posted it on my statement, fortunately im not too mad because i have several balances reporting and had a $15 credit on the account, reported balance of $65.
Usually id make the payment in the app just to ensure i dont close with a balance but like i said i dont care atm because multiple cards are reporting. sometimes AmEx doesnt allow me to pay for pending charges which is annoying if i am remembering correctly.
My ED card is what i am using for my gas which is hard to keep @ 0 especially rn because the statement closes on the 29th and my tank is half empty and gas stations take forever to post.
@CreditCurious wrote:
@SRT4kid93 wrote:
I always stop using my card a couple days before the statement closed to ensure there are no pending charges.
Why do this?
If you have pending charges when your statement generates, it won't be an issue. They will show up on your next statement in 30 days. There is no credit rating impact, and interest will not be charged.
If this is a matter of managing your credit limit, you still should not worry about it. If you need to pay mid-cycle because you have a low credit limit and you need the room, just send a mid-cycle payment and go on with your life.
see my comment. 👆 sometimes theyll post when your statement closes.
@unsungivy wrote:For example, recently with an AmEx "spend 1k" PC promotion, I prepaid the remaining amount I needed to spend (which showed as a credit), and knew that when my account no longer showed a credit, I had completed the promotion. This meant I didn't have to keep doing the math of how much more I needed to spend.
Another use that I never thought of, but very nice.
This topic has pulled responses from fellow "Pushers".
Nice to have company, @unsungivy and @Horseshoez .
I like the nice even $100 payments for my record's and also the
all in a row same day payments with labels that I created
for cards. My OCD dislikes the issuers pull payment
labels for charges , "Cit_26438746_357995" .
Much prefer "Citi_Custom Cash", "AOD Visa", "Alliant_Visa"
Especially nice if one has multiple cards from an issuer.
@unsungivy posted:
Most cards that allow overpayment only allow it up to a certain % over your posted total (usually a non-issue).
I once pushed 10k to a card because I had a 13k pending that would post and did not want 70% util to report.
CU did not bat an eye.
If they did they never told me 
As many have posted this is a tool for some that like to manage utilization, have small CL's,
or like to streamline record keeping. It is not the best payment method for the "Floaters".
Pushing is often used to pre-pay that which could be paid later (loss in free float money).
Gain from this is OCD record keeping, low utilization, Azeo playing, or very small CL for
your spend on a card. Many of these things can be found in starter profiles .
Auto pay and 15x your spend as a CL on each card, eliminate the need.
Not everyone has or even wants to play all the games, to push limits to be
an "Auto Man". Only thick, old profiles need not think a little about utilization.
I have old, thick file, and good Fico's however I like to push for the simplicity
and record side. Currently don't worry to much about scores, utilization, etc.
However by being "push pay", at any time I can do Azeo if necessary for
a new card app, car loan, etc.
For me it is just a better way to pay.
However I am not one to wait until the last second to pay, credit card, utility bill, tax's, etc.
I get the bill, I pay. Don't put it in a calendar and wait until day 26 out of 30 to pay!
I would not be able to sleep well. 
I lean toward being debt free and realize a loss from paying early.
I know I don't have to use this method, it's just what I had always done in the past because I my bill pay doesn't want to work with m and t bank. It won't let me add any companies it always says there's an error. And like I said most companies won't let overpay when doing a pull payment. However since I became a men ever with NFCU, their bill pay works like a charm. So I can start doing push payments.
as for the reason I don't want charged tacked on before my statement cuts? I have 3 cards and so if one of my cards accidentally reports it pushes me over the 50% threshold for accounts with balances.
I tested the affect of this for this month. And depending on with fico model I'm looking at I lost anywhere between 12 and 30 points for having that extra account report with a balance. So I always just played it safe.
@CreditCurious wrote:As a general rule, if you are going along with life, buying groceries and gas, and not purchasing a home or car in the short term, AZE0 has always seemed to be too much effort for too little gain. Who cares if you can juice your credit score for a few points if you aren't using it for an application.
You are correct for about 50% of forum members,
the other 50% have an obsession with scores.
