so now the card shows a $15 balance and statement cutoff is 8 Sep but there is no payment due for 2 sep, so I hope I didn't screw this up! 
the other account reflects a zero balance
@babbles wrote:
so now the card shows a $15 balance and statement cutoff is 8 Sep but there is no payment due for 2 sep, so I hope I didn't screw this up! the other account reflects a zero balance
I feel your pain, babbles, waiting for updates for accounts I've paid myself. Hurry up and wait, that's how I feel.
Hang tough, you're on the right path. Patience is a virtue, especially on here
@babbles wrote:so now the card shows a $15 balance and statement cutoff is 8 Sep but there is no payment due for 2 sep, so I hope I didn't screw this up!
That $15.00 balance will show up on your statement. I, too, have NFCU cc’s and have done the same. I have paid off charges by the statement closing date leaving a $20.00 balance, and that balance appeared on the new statement. As others have stated, you will regain the points lost.
Starting Score: 784
@babbles wrote:
Do you recall your score fluctuating?
Similar to your experience, when all of my accounts reported “zero”, I took a hit on my scores. When I allowed my NFCU (at the time) Cash Rewards cc to post on the statement ($20.00), my score increased five points. So, I gained some back. After a two/three months of this (using the AZEO method), I regained all of the points I lost, back. My scores are now 750, 749, 733; now I’ve noticed, I only gain a point or two when utilizing the AZEO method. I believe I read somewhere on MyFico that when your scores start to climb, the rate of points is slower. This certainly is true in my case.
@babbles wrote:so now the card shows a $15 balance and statement cutoff is 8 Sep but there is no payment due for 2 sep, so I hope I didn't screw this up!
You'll be fine as long as you don't use either card until after you receive notification of new statements.
Generally speaking, once the statement balance is reported to the CRAs it is 'locked in' until the next one is reported a month later. But then there are some, like Chase, which will report a new $0 balance as soon as you make it.
Once the $15 statement balance is reported (you'll know when you get the email), you could immediately charge $500 on the card but the balance used for any scoring for the next month will still be that same $15.
For the past few months I've been paying down 1 card to $0 and 1 card to $35 before their statement closings. I wait for the statement to report on the card with $35 and pay it off within hours usually. (Email comes in around midnight and I pay in the morning when I wake up.)
Any CRA report I pull for the next month will always show the $0 and $35 balance, no matter how I use the cards.
You gotta let us know how many points your score goes up! I bet it's a lot!
@babbles wrote:So I paid my credit card down from $9511 two months ago and before I could get it all the way down to $0 my lender reported $1. So now it's $0 and where I gained 38 points from experian , now I lost a whopping 25 points because it's zeroed out!! Unscrewing believable!! So the files want to see you with debt I guess?? I worked hard to get where Iam. Darn it!! So my other card has a $979 balance out of $1500 and I was going to pay it to zero so I guess I should I leave a balance to gain points??
If your other card reported a $979 balance, the paying down of the $9511 account did NOT cause any FICO score to drop.
