10/13/2026
💡 Paying on time matters. So does the balance showing on your credit report.
Credit utilization is how much of your available credit you’re using. A high reported balance can affect your score—even when you pay your bill on time.
Here’s today’s move:
✅ Make at least the minimum payment by your due date.
✅ Check your statement closing date and ask your issuer when it reports balances.
✅ If your budget allows, pay down your balance before it’s reported.
Don’t delay a payment while waiting for a reporting date. You don’t need to carry debt or pay interest just to build credit.
Ready to understand your credit and identify your next steps? Start your Hardway credit assessment:
Text CREDIT to (424) 404-9258 to start your credit assessment.
Educational information only. Credit outcomes vary; no score increase or deletion is guaranteed.
