@louisvillesco: Now do not get this mixed up with leaving a balance. You should never do this. Making sure your current balance is completely paid off before your due date is the most crucial. If you have a high Utlization month you can easily recover the next month since credit Utlization holds no memory, but the same cannot be said about late payments! #creditcards #creditrepair #financialliteracy #credittips #financialtips