This is a basic question that I'm sure has been answered, but I wasn't having any luck finding it.
To maximize the score increase potential through credit utilization, does it really matter when you get the debt ratio down to the ideal percentage? Or is it as long as you get it down by the time the CC reports each month?
For example, you have a credit/debt ratio that is currently 46%. Does it matter if you pay it down faster/earlier in the month, or is it only if you get it paid down prior to the report date?
Hope I make sense, lack of sleep is catching up to me right now.
