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GaylrdFocker t1_j6o5vap wrote

They didn't just decide it, they report your balance on probably the same day every month, slight changes with some holidays possibly. Typically it's your statement balance, did you pay off your card before the statement posted?

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rouge171 OP t1_j6oepdl wrote

I pay it off every two weeks when I get paid. I guess I need to game the system to make it look like I don't use my credit card by waiting to pay it off until the night before they report?

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GaylrdFocker t1_j6p17be wrote

Yep, every 2 weeks means you are going to be before the statement some months and after the statement some months with one of the payments. Yes, find out when your statement posts and pay it down before that day.

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