7d ago in General discussion
When to make your credit card payments
1. By the Due Date: Always pay at least the minimum to avoid late fees and penalties.
2. Before the Statement Closing Date: Pay early to reduce your reported balance and lower credit utilization.
3. Multiple Times a Month: Keep utilization low by making frequent payments if you use your card heavily.
4. In Full Each Month: Avoid interest by paying off your entire balance.
Tips: Use autopay to ensure on-time payments and keep utilization below 30%, ideally under 10%.
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When to make your credit card payments
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