🔐 Stop Paying Off Cards at the Wrong Time.

You could be paying your balances in full every month and STILL showing high utilization.

Here's why 👇

Most cards report your balance on the statement closing date. Not the due date.

So if you charge $4,000 on a $5,000 limit and pay it off on the due date, your report already shows 80% utilization.

✅ Pay your balance DOWN before the statement closes

✅ Aim to report under 5% on individual cards for maximum score impact

✅ Leave a small balance like $10-$20 so it doesn't report as $0 (shows activity)

🔑 Timing your payments around statement close dates is one of the fastest ways to lift your score without opening a single new account.

Small adjustment. Big results.

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