Originally Posted by
Superorb
Pay down your balance before your statement posts, because usually they report your statement balance to the credit bureaus. Pay down before statement and they report the paid down amount. I've been doing this since college forever ago.
Next time, but it's too late for this time, that's already happened. I seldom go on big shopping sprees. All my cards are on auto-pay. I don't keep track of the due dates. Have overdraft protection on my checking from savings so I don't bounce payments.