Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Should I pay half a large balance this month before I get my CC statement?
It will reduce the credit ding you will take but why does it matter?  Next cycle when it's paid off your credit score will go back to where it was.  Unless you're looking for a loan right now and your credit is marginal why worry about it?