BEST Day to Pay you Credit Card Bill (Increase Credit Score)

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Название	:	BEST Day to Pay you Credit Card Bill (Increase Credit Score)
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This may have been touched on in the comments I have always paid my credit and charge cards off before the cycle went through We had some personal situations that made it so I could not pay some of them before they cycled but rather before they were due When I checked my credit, it jumped up 10 pts or so (to 836) I played around with my payments and found that if I keep 1,000-2,000 on my cards for the cycle (and still pay off by the time they are due) my credit is at its highest I also found that it's not due to the credit bureaus thinking the card is inactive, because I can leave $20 on each one and my credit scores are still drops Why is it that I have to keep a thousand or so dollars on the cards for the end of the cycle?
Comment from : ToughRod

How do I find my statement closed date?
Comment from : Kamo Kev

Love you AMEX The only one app that show the statement closing date built-in APP
Comment from : Alain Diaz

hi john its my first time getting a credit card in regards to the statement close date i seems to be confused if it is the statement date i plan to use my credit card to pay some of my utility bills and and those usually comes before the 20th also according to the paper i got statement date is the 20th also is is the statement date also the statement close date? is this the time my statement generates also my due date does this mean once my if i pay before the 20th i am good to go use my card again for the next 20days or so
Comment from : austin perlas

Hello everyone ! So I have a secured credit card with Bank of America My limit is 200 However, my due date is on the 6th of each But my closing statement date is on the 9th which is 3 days later so how should I pay my secured card bill to gain more points to my credit ???
Comment from : Rashad Berryman

Just got my bill said due date was 3 weeks away a paid it full 3 days later is that good ?
Comment from : Chris

How long does late payments stay on your credit? I have a couple lates that were reported due to covid times but have been in time since but still have a low score
Comment from : michael zaragoza

what's this I hear about paying half 15 days before the close date and half 3 days before the close date? I'm confused is that bad advice the web's giving? lol thank you!
Comment from : Gentlesideoffury

Thank, I just finished setting up auto pay on my two cards to PIF a week before the statement closing date
Comment from : Douglas Scott

Sorry, but I don't get it For example, this September The statement closing date is 9/18/23 The due date for the payment is 10/15/2023 The next closing date is 10/18/23 So, the "due date" is already BEFORE the "next closing date" Or is it just my bank? So, does it report the "September balance" on 10/18/23 or 9/18/23? brbrPS I usually schedule a payment a week before the "due date"
Comment from : No One

I don’t understand the utilization thing What’s the point of a credit card if I can’t use it for its purpose
Comment from : Teresa Wilson

thank you
Comment from : Soslan Abanokov

did you buy bots?
Comment from : GoodVibes :]

i pay my credit card every pay day so every 2 weeks my credit score is on the 950s
Comment from : Karnige

I think the "bureaus" are rigged!brI have good credit but once I use my credit card they hit me hard on the score instantly, and I pay it off every month but it takes them 3 months to return my score back to pre-card usage Ugh!
Comment from : Kyle Harris

I've been retired for over 16 years now and am comfortable Over the last couple of years, I've been paying off my primary credit card balance every week It helps me to maintain a lower total balance My credit score has been hovering about 720 all these years Just recently, I charged a lot of work on one of my vehicles and paid off that balance the next week brbrI looked at my balance for this week and was shocked to find out my credit score was now 840! Remember, I'm living on a fixed income
Comment from : Too-old Forthischet

Imagine that A government in $33 trillion debt giving it's people a credit score
Comment from : Xyleryx

In the event you want to increase your credit score, here's how you do it In the event your CC closing date for example is on the fourth or fifth day of the month You pay off you entire balance the day before the closing date and you always will maintain a Zero balance
Comment from : Joseph Buonfiglio

Hi John, great advise! Thank youbrbrQuestion: I plan to pay off all my credit balance in order to prep for an upcoming auto loan It's my understanding to pay off my credit balance before or on the statement close date Is this accurate?brbrPlease advise And thanks in advancebrbrFrank R
Comment from : Frank Ramos

With credit utilization, does it make a difference with the possible credit boost if it is 10 compared to, say, 25?
Comment from : cpantherz757

I think how complicated everything is just throw many people off and that's why they get bad credit scores
Comment from : music44life

So if I'm showing zero balance on the close date every month, will it appear that I'm letting the credit card go dormant? And would the credit bureaus see that as a problem?
Comment from : brad h

Hmm I gotta question, so i understand credit utilization is important If I am using 8 of my credit why would I pay it all off at the closing date as they will report that I am barely using the credit given Or do they still see that I have been using my cards? Pretty much asking if my utilization is already low should you still apply this trick?
Comment from : King _Sam

So what if i have a balance but haven't been given a due date to pay nothing?
Comment from : Yg Bodybuilder

What is my dammm statement date
Comment from : Yg Bodybuilder

Do you pay it in full before the statement close date or just some of it? Because 0 utilization rate is also not good
Comment from : Vincent Rosario

Would the credit utilization work the exact same for a secured credit card? brIf so, would I take these same steps to ensure my credit builds?
Comment from : Kaden Smith

Is there a certain percentage you think should be paid off by the statement close date
Comment from : Lou Icious the Werewolf

If I was to spend only 10 of my credit limit, I would only be able to spend 25 I always spend upto 200 on my 250 limit And always pay it off before the due date Is that a problem?
Comment from : Frazer

What happens if I closed my first credit card? How bad is it?
Comment from : Shaikh Waleed

Is it ok to pay the balance down to $0 by the Statement Close Date? Or is it better to leave a small under 10 balance and pay the rest by the due date?
Comment from : Efrain Garcia

Credit score is not something used in all countries though InbrFrance, they determine if you are eligible to get a loan (eg, to buybra house) based on the ratio between your salary, your expensesbrand your savings Basically, if every month you 'burn' all yourbrmoney, you're perceived as riskier than someone earning less butbrconsistently making deposits to a saving account I feel in the USbrpeople tend to buy things they don't need with money they dontbrhave The only times I feel one should need a credit is whenbrbuying 'big' things (house, car, etc) Not for a TV I'm 42 with overbr792 credit score, time was put into that to build it up by mr x thier google chat info are SolutionXcatalyst@
Comment from : kate smith

Can u do one one some one rebuilding after being scammed ?
Comment from : Rafael Cabral

I have found that that my stament date on most of my accounts is typically 6 to 7 days after my due date It just now occured to me that the statement date you were refering to is the one preceding the due date in the previous monthbrIs this a correct assumption ?
Comment from : Ikem Onyemelukwe

My due date is the 12 and statement is the 17 Should I change my due date?
Comment from : Alchemy

Message GOATTEEY11 you deserve the bestthanks so much for the method,Cc and linkable debit you are legit ❤
Comment from : James Robert

Message GOATTEEY11 you deserve the bestthanks so much for the method,Cc and linkable debit you are legit
Comment from : James Robert

Does the pay early method still boost ur score if ur just trying to pay off ur whole credit cards that are maxed I’m not charging big purchase I just wanna pay them off in one lump sum
Comment from : GunRunna47

New to credit cards trying to build my credit How do I find the close date? All I see is the due date
Comment from : wblake22

I just received my bill from an Amex card that I have, and the statement closing date is 9/1/23 And the minimum due date is 9/26/23 So basically the way I could have paid this off before the closing date was to pay it off before the minimum payment period? I’m kinda confused
Comment from : AstonishingREDD

Thank you Jesus for explaining all this - this explains why my score has been dipping and won’t go up - I will pay off before the statement date now, thank you sooooooo much sir!!!
Comment from : Carol Myhill

I just know da credit card I bought with the guidance make it so easy to use, thanks to this dude called…TRENCHGLITCH could have made few mistakes under fake bot
Comment from : Korede Adetunrinmo

The credit systemmuch like china's social credit system brNot good
Comment from : Meow Meow

OK, we know when to pay the balance, but when - if we're generating credit activity for the sole purpose of improving our credit - should we actually be using that credit (paying bills, making purchases ect) so that said credit activity gets reported? How long before the statement close date should we be generating that activity?
Comment from : Life In Salt Lake City

So do I leave 10 of the bill/credit utilization for every statement close date to show the credit bureaus, or do I pay it full?
Comment from : yellowscorpion100

If you have multiple cards- let's say you have 7- and all cards have less than 10 utilization except for a single card, which has 70 utilization, is this seen as 70 utilization or is this utilization divided by the number of cards and all available credit, giving you just over 10 utilization?
Comment from : Greg West

Thank you for this!
Comment from : Antonio Ma Gonzalez Jr

I'm confused My due date is on the 13th and the close is on the 17th Do I wait until after the 13th to pay off my balance?
Comment from : Deep Sickz

Thanks ,understood 💯
Comment from : Fidelis Oeri Motuka

I've watched countless videos on this and left more confused than before I watched them You explained this better than anyone i have watched Utilization has been my downfall Excited to put this into action! Thank you!!
Comment from : freda t

Autopay does not have an option to pay the current balance (options are min balance, last statement balance & custom amount) So, should I have to go in and make payment manually every month?
Comment from : Realist

I'm so confused, my payment due date is two days before my closing date
Comment from : Rebel Soldier

The one millio dollar question I have is Do I pay them all down to $0 PRIOR to the statement closing or do I want to register SOME type of usage (low utilization under 6 between all of them) to show usage? Because I've done it both ways and my credit still goes down They confuse me because they ding me for not having debt so I leave low usage and I still get ding Please Help! Lol
Comment from : H C

What if we pay everything before the statement close date would that mean we made no transactions, which would again negatively affect the credit score
Comment from : Pavan kumar D

So basically, pay as much as you can before the due date and closing date?
Comment from : Arath Estrada

So if I pay on my closing date I’m going to have to pay interest? But I also going to boost my credit score because it going to report that I’m used less than 10 right???
Comment from : Giovanni

So the best way is to pay on the due date to avoid fees? Will this also help increase my score? But would it report on the closing date that I used 0 utilization ??
Comment from : Giovanni

4:15 here is the info
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