I just used my Kohl's card to make a small purchase because I read that utilization is necessary to build the score. That said, do I have to wait to pay off the balance until after the statement for it to make a difference, or would I get the same result if I paid it off before the statement issues? They do charge interest on the statement date. I'd prefer to pay none, but I guess I will if I have to.
Welcome to the forums! How many cards do you have? Just the 1? Or more.