Closing Date/Due Date/ Balance

Hi all!! I had a balance before my first statement. I paid it before my statement cut BUT my statement cut the same day. The old balance was reported to the CRAs. When I look at the statement it says new balance $0, due date 7/282015, amount past due $0, mInimum payment $0. Does this mean on the 28th I don't have to pay the balance I have because the balance on my statement says $0? If my collections are correct my next statement should cut August 2nd. Can I simply pay the balance I currently have before that date to to allow reporting of a low balance?  Thanks!!!

simplyme1 wrote:
I had a balance before my first statement. I paid it before my statement cut BUT my statement cut the same day. The old balance was reported to the CRAs.Was the "old balance" the "balance before first statement"?  You may want to pay a day earlier if you're wanting to reduce the reported balance though maybe this was just a quirk with the first cycle. simplyme1 wrote:
Does this mean on the 28th I don't have to pay the balance I have because the balance on my statement says $0?
Confirmed above but yes.  It's the statement balance that is due on the due date that you're concerned with.  The current balance could be a different amount depending on what else may have posted to the account. simplyme1 wrote:
Can I simply pay the balance I currently have before that date to to allow reporting of a low balance?Yes.  Whatever your current balance is on report date is the balance that will be reported.  Since the card reports on statement date it's also the statement balance.

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