Originally Posted by
GiltGrouch
I don't understand the difference you're making between "carrying" and "reporting".
In general, issuers
report the balance that appears on your paper/pdf statements. If you pay that balance in full before the due date shown onthe statement you are not
carrying a balance and you pay no interest, but the issuers do not report payments, only the next statement balance.
If you are paying all of your accounts early, such that the statements always show a zero balance, that might cause you to be declined, but paying the statement balance in full to avoid paying interest is invisible to other issuers and cannot be the basis for any decision.