OldMan wrote:1. Is there a blackout date where you don't use your cards. i.e. If I don't want to report a balance, should I not use it a week before my statement date?
Nope. You can use it all month long.
OldMan wrote:2. Should I let them report a small balance once or just pay it off full before the statement date?
It's entirely up to you. Unless you're applying for new credit in the very near future, it doesn't matter. If you are applying for new credit soon, only let enough balance post to take up about 5% of your total credit limit among all your cards.
OldMan wrote:3. How long does it normally take for most transactions to post for payment?
Typically within 3-5 days.
OldMan wrote:4. Did anyone else feel a little uneasy when first making the transition from all cash/debit to credit card use? How long did that last?
Sure. It doesn't take long to get over it. Just remind yourself that you're not going into debt; you're using your credit cards exactly how you would your debit card or cash. And then remember that your credit card isn't linked directly to your checking account, and that you aren't liable for any fraudulent charges that get made using it. Remember those two things, and your mind will rest much more easily.