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What the credit card company told me
So I called up First Premier and asked them how did the credit report work. The rep told me that on the 28th of every month first premier reports my current balance and my current limit. I told her I was wanting to rebuild my credit but at the same time I needed to spend a bit close to the limit since my wife lost her job. She said just make sure you have 15% or under balance before the 28th of every month. She said that the credit bureau will not see anything but what is reported on the 28th. Now I did that last month and again I am going to need that this month. I paid off what I owed last month in full so I had no interest and I plan on doing the same thing this month. Can anyone confirm what she told me or can anyone elaborate a bit more on this? Thank You!

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