re: Question on credit score and credit card balances.

The balance reported to the credit bureau is your balance on the last day of your billing cycle. This date is not necessarily the last day of the month. My card's billing cycle ends on the 7th of each month. My due date is on the 4th of each month (where I pay the previous statement's balance). If you want to manipulate the reported balance each month, just have it where you want it when the billing cycle ends. As far as credit score is concerned, you need to keep your balance under 30% of your limit to get the maximum benefit.