DavidNY wrote:Your credit reporting date and closing date are two different things.
Yes, but both my CCs have always reported my statement balance; they did this month as well. Usually my statement balance is close to $0, but since my statement cut a couple days earlier than I expected, my payment didn't post until after the statement for the month had cut.
I think the real issue is my history with Amex. I think I'll need to get my FICO considerably higher before they'll accept me for anything--even the Zync--and I'm guessing the few points I'll gain by reducing my utilization % won't be enough. But with time, my score will keep going up; I'll just have to be patient.