When to pay off credit card to ensure credit score increases as effectively as possible

[Anonymous]

I am in the process of building credit. I have a secured First Progress card and a Discover IT card. 

I am curious on how to effectively increase your credit score as best possible. 

How should it work, being the credit score updates monthly? 

Would I use the credit card and pay it off immediately the same day? 

Would I allow close to full-balance go into the next month (I don't think so...) and then pay it off and allow it to be like 3-5% into the next month? 

Then Credit Socres would see the credit card being used, paid off, and then utilized only 3-5%.

OR should I use it, pay it, and only allow 3-5% to rollover into the next month and nothing more? 

[Anonymous]

http://ficoforums.myfico.com/t5/Credit-Cards/Understanding-payment-time-question/td-p/4516879

A response to a similar question this morning.

[SouthJamaica]

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@Anonymous wrote:

I am in the process of building credit. I have a secured First Progress card and a Discover IT card. 

I am curious on how to effectively increase your credit score as best possible. 

How should it work, being the credit score updates monthly? 

Would I use the credit card and pay it off immediately the same day? 

Would I allow close to full-balance go into the next month (I don't think so...) and then pay it off and allow it to be like 3-5% into the next month? 

Then Credit Socres would see the credit card being used, paid off, and then utilized only 3-5%.

OR should I use it, pay it, and only allow 3-5% to rollover into the next month and nothing more? 

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I think your best bet is to pay one down to zero before the statement cuts, and let the other one report a balance of less than 9%, which you should then pay down to zero after the statement cuts.