If you're approaching your limit, either request an increase or, as you have done, pay it off. There very well could be inconsistencies around reporting. I am still an advocate of paying the bill on the final due date because I see credit cards as a 30 day, interest-free (assuming you pay it off), micro-loan. It makes sense to let your cash accrue as much interest as possible (although not a lot these days) in your bank account before paying off the card.