Point Score Increase
Of your credit score is utilization
Or less to see results
Credit bureaus see your balance on the statement date, not the due date. This means timing your payments strategically can dramatically improve your reported utilization.
Balance is reported to credit bureaus
Utilization affects ~30% of your score
Standard payment deadline
The Strategy: Pay down your balance 2-3 days before the statement date so a lower balance is reported, then pay the remaining small amount by the due date.
Credit bureaus see a 5% utilization instead of 50%+, directly improving your score.
You still pay the full balance by the due date, so you never pay any interest.
See score improvements within one billing cycle - often within 30 days.