Originally Posted by
cricfan777
From my credit reports that I've seen from chase, amex, bofa, regardless of their reporting dates, the amount reported is always the cc closing statement amount and not the reporting date amount. So if the cc is paid down before the statement close, why does the reporting date matter when you know the amount that is going to be reported?
+1 I've always had my statement balance as of statement closing date report as utilization for Chase, AmEx, Barclays and Citi.