Established Contributor
my-own-fico
Posts: 964
Registered: ‎01-05-2010
Re: Need a little help playing the FICO game

To have a small balance for a card report to the CBs, you would want to pay down, partially or in full, before the statement post date.

 

I usually do it the day after the due date of the previous billing cycle, so it doesn't interfer with the present cycle.