Originally Posted by
suspire
I am not sure if promptness of payments matters at all--it is just an issue of utilization. Everything I've read says for optimal scoring, you want to stay in the 10% range. I actually make multiple payments a month to ensure that my utilization rate stays under 10% on heavy use credit cards like the CSP.
The 10% number is what you want to show when your statement cuts. What I'm talking about is making a 10k charge on a 15k limit card during the billing cycle and paying it off promptly so you're not maxing your card out every month.