Originally Posted by
NYCFlyer10001
Actually, letting one high balance report can help make it easier to get approvals and approvals with higher CLs from other issuers. It shows you were able to responsibly manage a large balance.
I don't get why you're paying 90% of the balance before the statement generates anyway. Unless you're maxing out the card every month, you should let the entire balance post and then pay it to take advantage of the grace period and to again demonstrate that you can responsibly use credit for more than token amounts.
Paying most of the balance before it reports helps to maximize credit scores. The difference can be enormous depending on what percentage of the credit line the balance is.