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ScottieMC

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is paying your balance off before the payment date good or bad for building credit

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In terms of your score, assuming you're not late on payments, it's irrelevant.  What matters is the percentage of your available credit that is utilized.  What you should be looking for is when your credit cards report to the credit agencies, and try to have the balance between 1% - 10% at that time.  Ideally, although it won't affect your score beyond that bit, you will then want to pay off the whole balance before interest begins.

If you have been using Credit Karma for a little while at least, they will estimate when your cards will next report, based off when they reported last. You can see this on the alerts calandar (the envelope on the top bar).

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If you have received the statement and are paying the balance due on that statement before the due date, that is excellent.  If you are sending a payment in before you have received the statement or you are sending more than the "Total Amount Due", that's not good.

Please read the articles you'll find on the left side of this page and utilize the tools available on this site so you can learn good credit management.  That is what the site is for.111111111

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