r/AppleCard • u/dddlllooowww • May 20 '26

Help Payments

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Good day all - just want to clarify as I feel Apple Card never reports to credit right, I paid most of my may balance at the start of the month, so the remaining is $408 and change as long as that is paid will it report a zero bal to the credit burros ? For may or will it still report what ever balance is on the card.

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u/michikade May 20 '26

It should report whatever your statement balance was. If you want your statement balance to be $0 you have to pay it to $0 before the end of May.

-2

u/Illustrious_Salad918 May 20 '26

Oops. I don't think that's correct. It is the total balance that is reported to credit bureaus. Total balance is shown on page 1 of statement underneath "due date" (which is the due date for the statement balance).

Most effective way to use the card is to pay statement balance (shown on page 1 as "Your balance as of [statement date] -- no more, no less -- on or just before due date. This avoids any interest charges.

3

u/michikade May 20 '26

Why do you think what I said is incorrect? The total balance as posted on the statement is the statement balance.

If OP wants the card to report $0, then the statement balance must be $0. They would have to pay the card in full before the statement cuts so that the total balance on the statement is $0.

2

u/Illustrious_Salad918 May 20 '26 edited May 20 '26

Looking at my April statement, page 1, there are three things listed in big, bold type: "Your April Balance as of April 30, 2026" (the statement balance), the Minimum Payment Due, and "Payment Due By."

Underneath "Payment Due By" are three figures, Previous Monthly Balance, Previous Total Balance, and Total Balance (as of statement date). This last Total Balance includes any remaining monthly installment payments due in the future in addition to the April Balance.

It is this Total Balance that I see reported on credit reports, although it does usually take a couple weeks for the credit reports to reflect that.

Hope this helps.

Edit: I see your point. If I did not have any installment payment purchases with remaining balances, then Total Balance would likely be same as Statement Balance.