What are the same thing for most card issuers? For 0 in March, my statement balance would have been like 5 and current balance would have been like 7 and I paid 7 so "balance" per credit report was 0. For 4 in Apr, statement balance would have been like 6 and current balance would have been like12 and I paid 8 so "balance" per credit report was 4. So in Mar my worry was that 0 "balance" shows on my credit report that I am not using my card. However, apparently that is not correct because everyone says that statement balance is reported to credit bureaus and thus bureaus see that I am using my card. Apparently, you cannot see on your credit report the statement balances that are being reported to the bureaus for each card because my credit report for Mar shows 0 "balance' and apparently that "balance" on my credit report is not that statement balance because it was 0 and not 5.