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Does making payments twice a month instead of once a month hurt my credit score?
I pay any charges I've made to my card every check instead of once a month. Will that hurt my score?
Asked by
mukiex
1 year ago
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No, you can PIF each time you have a balance & actually will help your score. By always having a 0 balance when the card statement date closes.
Grizzly27 1 year ago
What affects your score is what is reported. It is likely that the CC company report the details on your statements, so keep balances by statement day below 20% and you should be golden. Each payment will not show on your report, but the status of that month will be the same as paying the minimum.
browno 1 year ago
basically, NO, making payments twice a month can't hurt your credit score.
paying in full so you do not carry debt will help your credit score, and staying at a low credit utilization rate (the amount of total credit you use versus how much credit you have available) of 20-30% of your total credit is also good for your credit score.
so it looks like you are on the right track to a credit score boost if paying twice a month helps keep your payments on-time, and your debt and your credit utilization down.
iwantcookies 1 year ago