Credit Utilization: Timing Matters
One of the most overlooked parts of credit management is when your balance gets reported, not just whether you pay on time.
You can pay every bill by the due date and still have high utilization reported if your balance was high when the issuer reported it.
For someone preparing for a major credit application, managing reported balances can make a meaningful difference.
Always check the bill closing date and pay it a few days earlier rather than the due date.
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Credit Utilization: Timing Matters
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