@Anonymous wrote:I applied for the CSP and Freedom a few months ago and left roughly a $50 balance on the days of ithem reporting. It shot my scores up and I was super happy about it!
Up until a few days ago...I paid them both off the other day to then get an email from MyFico telling me my scores had changed after the usual CC report day which confused me.
Turns out my scores all dropped like 12 points, 18 on my Experian. Loving life. I guess I will just let them both report a balance every month now to keep my scores up. Not used to this on my other credit cards, but I guess its good for people who usually have a lot of debt and want it to report quickly when paying it off.
Where I find it useful is for keeping my reward spend off default. I can keep pushing Freedom quarter expenses right through the statement date, but keep my report groomed for mortgage purposes. Or if I need a balance on that card, I can leave it till I can get another one to report, just more options though with this policy I don't typically chose it as my balance showing card as there's no way to do that now without paying interest. Bad mojo 
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