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Remember that "above 0%" really means "not $0.00".
You don't need to actually report 1% or higher - just not $0.00.
Given that some lenders won't bother to charge/report for a couple of dollars... you'll see many people recommend using $5.00 or so as your minimum.
You have to pay the statement balance in full on or before the "statement due date" in order to avoid interest, typically about 5ish days before the next statement closing.
@jdbkiang wrote:
To avoid interest, just pay it off before the next statement closes.
@jdbkiang wrote:
Right. So you spend $500, pay off $480 before the statement closes. Your statement balance is now $20, then you pay it off before the due date.
This is assuming you have a need for a good score in the very near future. If not, pay the $500 close to the due date to maximize the interest on the money that the cc is lending you for free.