[inetknght]

> You are incredibly confused about terminology here.

Perhaps, but I doubt it.

> You have a balance. And then you let Autopay pay it off in full by the due date, which is after the balance appears on your statement and after the balance is reported to credit bureaus. You still don't carry a balance.

I don't use Autopay. I pay my card off (usually in full every month) when I review the online statement. If I review my statement early and I know that I have upcoming charges then I'll pre-pay to avoid interest charges. Some months end up with effectively a zero balance for the month.

> What you are describing (having zero balance reported) is called cycling the credit limit.

No, I am absolutely not. Cycling your credit is where you charge close to your credit limit, then pay it off, and repeat that several times in a single cycle. Cycling your credit once might mean that you had some big expenses. Doing it repeatedly (eg several months in a row) means that something about you is suspicious and warrants an account review. Maybe you lied about your income, or need a credit limit increase, or you're gaming some rewards system, or you're using a personal account for business, or something that's even more unusual.

[kccqzy]

You are still confused.

Your statement doesn't get generated until the billing period closes. For all intents and purposes, the one number that gets reported to the credit bureau is the balance shown on that statement, which is a fixed value for the whole month. Even if you pay off the entire balance as soon as the statement gets generated, you can see a zero number for most days during that month, but credit bureaus still see the positive number on your statement.