 And so if you're letting the cycle end and then you're paying by the due date, even if you're paying it in full, it's going to be reported to the Bureau with the balance as of the end of the cycle, even though you're paying on time and you're paying it off and you're not paying any interest. Well, if just through the normal course of your charges over a month's time, even if you're paying it off, your balance is rising above 30% of your limit.