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Trappedinthesystem

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THE SYSTEM IS CONTRIDICTORY
Credit score versus credit card purchases

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I pose the question... Credit card companies offer points, cash back, etc to  use their card to the greatest extent. When you use the card  to the greatest extent, your credit score drops due to "credit balance". I pay off all my cards at least twice per month, or when the balance reaches $5K (whichever comes first). Yet, I still get gigged with a high credit utilization. So, no credit for paying bill 72 hours after transaction, yet penalized for the transaction balance. Go figure..

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You don't get bonus points for paying early, as long it's paid before the due date. If you are concerned about high utilization? Simply make another payment BEFORE statement close date. It's the balances on the date and that one date only, when your credit card company report your activies to the credit bureaus counts, usually it's statement close date, you can max your card (not saying you should) day after it report, it won't change your score one bit, however the same, if you pay down your balance the day after? It won't change your score for the better.

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I believe whats hurting you more

is the fact that your using your cards extensively.  High balances, even when paid off quickly don't always help your score.  i.e. if you balance is reported at $4000 on a card with a limit of $5000,  and you pay it off but the next time it is reported is shows a balance of $3800 it appears as if you only paid off $200 of the balance.  This keeps your utilization rate at newarly 80%

I would suggest that you start by opening a couple of new credit cards and spreading the balance over more cards or use only one card a month and letting the others report a 0 balance at least once every couple months.  Letting your cards report 0 balance shows that you do pay them off completely.  

Good Luck  

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