The report date of the card is when your card reports your utilization.
Why this matters?
If you miss your reporting date you have to wait 30 days for the card to re-report. You want to make sure you know when your reporting date is on your cards to make sure your PERSONAL cards are paid below 30% when the card reports, otherwise, youll have to wait 30 days for it to rereport.
Heres a breakdown here:
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