Offer your thoughts or opinion on the input financial query or topic using your financial background.

Can I pay off my credit card balance to free up available credit?
Banks only send your balance to credit bureaus once a month; usually a few days after your statement date.  Thus, as long as your usage is below 10% in that date range, you're ok. Regarding paying it off early: sure.  Every Sunday night, I pay our cards' charges from the previous week.  (The internet makes this too easy.)