Originally Posted by
ipeaches
how can they tell if you pay off the entire balance every month?
Most report whatever is showing as the balance on the statement. A few report whatever your balance is on the first of the month.
So, unless
you time your payment to hit before the statement closes, no one will know what you pay off vs. carry over.
(Although some agencies also show payment amount, minimum payment due, etc. But what factors into utilization is usually the statement balance.)