Originally Posted by
bbriscoe34
What actually qualifies as cycling?
I will sometimes make multiple payments after I get my statment form different accounts - maybe the annual insurance bill hit so I pay that amount off from my insurance/property tax non-escrowed savings acct, then pay the balance from checking? I usually don't pay my bill before I get the statement, but on a few occasions when I get reimbursed from my employer I will pay that amount immediately just so I'm not carrying excess debt.
What you are doing seems fine. What banks tend not to like is for folks to charge up to their credit limit, pay it off, and repeat during a given cycle. For example, if you have a $10K credit limit, charge $10K, pay it off, charge another $10K, pay it off, and so on during a given cycle.