That is a big one with Chase I found out the hard way. I paid my Chase Amazon to $0 and my score dropped 20 points. I wondered at the time why it updated early. I figured out why. Now when I pay I keep at least $5 on it. I always pay more than the statement balance and I use the card every day for restaurants and gas and prescriptions. It is my one card I use to report a balance because I use it so often. I know all my statement and reporting days for all my cards. Sometimes you live and learn thru other means.
