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

quote:

---

same schedule as our payday.

---

I pay all the revolving credit every payday as well. From monitoring credit scores, it appears that utilization checks are really hit and miss, just depending on when they sample your balances. However, I've found little to no negative effect on scores and I'm typically showing 0% utilization. Obviously, if you allowed it to get above 30% and stay above 30% (or higher, 50%, for example), that is clearly going to negatively impact your score over time.