% of utilazation?

[Logan]

On my budgeting spreadsheet, I've put the date that each of my four cards use for the amount reported. It is the statement date for each of them. It may not hit the report for a week or so but it is always the statement date's balance. I now pay all my cards down to $10 - $15 before statement date each month. I have reminders set in my iPhone so that I never miss.

Do you have bill pay with your checking account? You can set up recurring payments to pay a specific dollar amount or minimum payment and sometimes statement balance and you can select any date.

[justbroke]

NFCU (Navy Federal) only allows you to pay the statement balance or minimum due if it's coming from an "internal" NFCU account. Otherwise, you need to set it up as an external payment with an exact amount.

Credit Unions, such as NFCU, don't seem to have the same capabilities as the large "card" issuers. I even find 5/3 Bank a little disappointing. I can't pay my 5/3 MasterCard with an external checking account!

[Bell30656]

My bank, Chase does have Billpay. I use it to set up payments for everything.