I've been at this hobby for a couple of years now with 17 new credit cards in that time. Was able to keep my FICO between 780-820, but recently have taken a nose dive to 757. It seems my biggest problem is how to schedule the AGC purchases. AGC takes forever to post to my accounts, leaving little time to pay the CC before the due date, thus leaving a reportable balance to the agencies on the card. I don't want to pay too early and have a negative balance on the card - staying under the radar. Should I only be purchasing AGC within the first 2 weeks of the cycle? Anyone have any suggestions as to how they manage their AGC purchases or other late posting purchases? I tend to order personalized cards and they take much longer to post. Should I just forgo the personalized cards and just hope I don't have a problem liquidating them. Any suggestions are appreciated. I have a particular interest in keeping my score high and utilization low. Thanks again!