Point increase possible
Of your score is utilization
Days to see results
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The timing trick banks don't tell you
Credit bureaus see your balance on the statement date. Pay strategically, and they'll report a much lower utilization.
Statement Date
Your balance is reported to credit bureaus. This is the date that matters.
Score Calculated
Bureaus calculate utilization. Lower reported balance = higher score.
Due Date
Standard payment deadline. Pay remaining balance here to avoid interest.
The strategy: Pay most of your balance 2-3 days before the statement date, then pay the small remainder by the due date.
Why this works
Lower utilization reported
Bureaus see 5% utilization instead of 50%. Utilization is 30% of your FICO score.
Zero extra interest
You still pay the full balance by the due date. Just split into two strategic payments.
Results in 30 days
See score improvements within one billing cycle. No waiting months for results.