@thefinancialpilot: When it comes to paying your credit card bill, you need to understand 2 important dates - your statement closing date and your due date. Your statement closing date is the last day of your billing cycle and the day your balance gets reported to the credit bureaus to calculate your utilization. Your due date is the day you need to make a payment by to avoid being being charged a late fee. Satisfy your statement balance in full and you’ll never pay interest on your purchases. Questions?