Originally Posted by bobert24

Realistically, how big a difference does it make to pay some/most of the cards off before the statement date, so they show zero balance? If I have 6 cards, and pay 4-5 before the statement date, are we talking a couple points improvement in score? 10 points? 50? [...] FWIW, everything else on my credit report is good - all on time, low utilization, good number of accounts, fairly good AAoA, etc.