does your credit card balance show zero on your report or is it showing some balance? even if you PIF on the "due date" (pay in full) credit card companies will report the statement balance (balance on the day the statement is cut)
this non-zero balance, however small will change your score. (utilization)
The recomendation is not to loose sleep over this variations, but you can always zero you card the day before the next statement is cut (ahead of due date) and you would consistently show zero balance every month in your report.
http://www.creditcards.com/credit-card-news/day-report-balance-data-bureaus-1586.php
hope this helps.
this non-zero balance, however small will change your score. (utilization)
The recomendation is not to loose sleep over this variations, but you can always zero you card the day before the next statement is cut (ahead of due date) and you would consistently show zero balance every month in your report.
http://www.creditcards.com/credit-card-news/day-report-balance-data-bureaus-1586.php
hope this helps.