conversation: User (LaymansProblems): "Context: I use a credit card to pay a monthly 1500 payment, and pay it off within 30 days each time.\n\nI was talking to a friend, and they were saying that I should wait for the 1500 to appear on a credit card statement before I pay the balance - this supposedly is better for building up my credit score. \n\nQuestion: Is this true? Does it make a difference if I wait for the 1500 to appear on a statement or if I pay before it has the chance to appear?"
  Self: "No, it will not make your score "build" faster.  Read the page on the wiki.\n\nCredit utilization has no memory.  It will only affect your current score, and the general consensus is under 20% on one card, 0% on all other cards will give you the highest utilization score.\n\nBefore you apply for new credit/loans, just make sure one of your cards is carrying a small balance.  $0 bills are automatically paid in your payment history and affect your payment history the same as actually paying a bill."
  killapanda5280 (killapanda5280): "So do I not pay my CC bill when its due everymonth? Like mine is due today, should I not pay it for a few days or do I risk paying interest? I use the card to get my 1.5% cash back but also hoping it'll build my credit."
  LevyWife (LevyWife): "No, absolutely pay your statement balance when it's due! "
  