Statement is not cut on the due date. A few days after. you might get lucky and slam as much as you can immediately after. if it doesn't work out, no matter. No fico memory as stated. On the bright side, if that's the highest figure that account has ever been, it will be on record for all to see next time credit is pulled. Paying your statement balance builds your credit the same way, its just a month behind and won't max a score to its full potential.
