text: In a nutshell, 2-cycle means that they credit card issuers takes the average daily balance within 2-cycles to calculate your balance for the month. \n\nIn the regular average daily balance method, only your average balance for the present billing cycle is used.\n\nIf you have carry irregular balances or are in the process of gradually reducing your credit card debt, you are probably better off with a card that does not use the 2-cycle method. (see resource below for full explaination)