chitownguy

Most credit cards use an average daily balance method to calculate the interest. The total balance on the card for each day in the billing period is divided by the number of days in the billing period. This is the average daily balance that the interest rate is applied to calculate interest charged that month.

I am referring to the total current balance on yours cards at the time your score is calculated. Credit companies usually report your current balance and credit limit to the credit bureaus once a month on the closing date of your account.

Having zero balances on your credit cards or paying them in full each month will not hurt your credit score. It can actually increase your score. One of the factors used in computing your score is your credit card use percentage. Total debt on all your cards divided by the total credit limit on all cards. A high percentage will lower your score. Having no balance or paying them off lowers your use percentage.

Two of my favorites in Chicago were Gavin and Zsolt.

Some expressions my father used - 'He drives like a bat out of hell'. Or referring to someone one wasn't to bright. 'He can't tell the difference between his ass and a hole in the ground.'

Medicare will soon begin to pay for PREP. CMS recently issued a draft NCD-National Coverage Determination on PREP. It is proposing to pay for PREP both oral and injectable without any out of pocket cost, including the related HIV testing. https://www.hiv.gov/blog/cms-proposes-medicare-coverage-for-prep-invites-public-comment-by-august-11/