amex007 wrote:Why would you pay off the card and not leave a balance at the end of every statement? I dont really see an advantage to that and maybe thats why they think your usage is actually lower than it really is... I always try to PIF after i get the statement.
It's a habit I still have from my $600 Freedom days when utilization was a concern. It also helps me keep track of my expenses, since I can investigate anything that looks unusual (fraud or a billing mistake) while it's still fresh in my mind. Paying current-month charges serves as an "okay so far" note.
Interest rates are low, so I'm not missing out on any real income on my cash, anyway.