Originally Posted by josephstern

Right - that's my point. You can either:

-pay before the bill cuts so that the issuer reports your utilization as zero

-pay at the last possible date and get a real utilization reported (bringing down your credit score) but keeping your cash in an account that earns interest all the way

I use to do the former when rates were basically zero, but now that I can earn interest, I do the latter. Poster before me is still doing the former.