Originally Posted by BrianFellows

Whoa whoa, not related to the subject at hand but is it really what they REPORT? I thought the credit usage was just pulled from whenever the credit bureau randomly checks your credit, NOT what your credit card reported.

I've always waited till the report hits (paranoid that miles/points won't post unless it's part of the statement balance even though I've never found that to be the case) and my credit score is super high. Are you sure the report balance is what affects it?