Credit card - Is there a negative to paying your balance before the new statement?

Points wise? No.

Credit wise? Some claim it's good to have 10-20% of limit on statement so it can show utilization.

As the posters above me pointed out, the only real effect is your credit. It won't "hurt" your credit to pay off before the statement hits, but it can improve your score if you let it hit, then pay off. That's what I do. Sometimes if it was an abnormal spending month I'll pay a little early before the statement hits to help with budgeting, but still leave a bit just for appearances. If your credit is already good, then you may see minimal benefit from doing this.

Another benefit to waiting to pay is interest. Might as well let that money sit in your savings account an extra couple weeks before the payment is due. Just as long as you are disciplined enough to make sure you always pay off balances before the due date

I just pay it off each statement as I run everything through two CC’s. For larger payments on bigger purchases I go ahead and move the money I saved over and pay it off before the statement hits. This keeps my income/expenses on a month to month basis to a sane view.

I’ve tried different apps for budgeting and hated everything. So I created my own excel file that I enjoy so far.