Question about your credit card payments

[Anonymous]

If you are spending on your credit cards with the intent to 100% pay off each month for credit building.  Does it matter what day of the month you are paying off?  

[Anonymous]

Yes, and no. If you are trying to maximize score short term, only having a single card report a balance of 1 to 9 percent will maximize your score short term. This means for the most part paying off before the statement actually cuts. There are exceptions (us bank reports last business day of the month for me, statement closes on the 10th). Otherwise just paying beofre the due date will do the job. Credit karmas calendar will give you approximate dates when your cards report. Most people here maximize before applying for things. 

[Anonymous]

Good info, would you happen to have a link to that calender?  Thank you

[takeshi74]

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@Anonymous wrote:

Yes, and no. If you are trying to maximize score short term

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Or even if you're just adjusting reported utilization.

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@Anonymous wrote:

Good info, would you happen to have a link to that calender?  Thank you

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Not sure what calendar is being referenced.  CK is still in the process of rolling out their redesign.  If you're on the old design you can click on each on each of your cards to see the last reported balance and date.  If you're on the new design you can go into your reports and drill down into the detail for each account to see the last reported date and balance.

Or you can just look at your credit card statements for the statement date for cards that report on statement date.

[Anonymous]

Click on the mail icon at the top of the screen. Takes you to notifications. A calendar pops up on the right top corner showing dates of things regarding your accounts. Some things may not show at certain times of months because it has passed the date, but TU (slow as heck) has not yet posted that info for the month. Also, as stated above, you can click an individual account and see info about that account.