@joshcmatt: Most people pay their credit cards the wrong way. There are two dates you need to know. The due date is when you must pay to avoid late fees. The statement closing date is when your balance gets reported. Your score uses the balance shown on the statement. Pay the card down before the statement closes. Using the card before it closes can raise your balance. To find your statement closing date check your last statement. You can also look in your card app or call the card company. Pay on time to protect your payment history. Pay early to keep your balance low. This is how you control how your card affects your credit score. #creditcards