Something else worth bearing in mind is that you don't want to push the timing that tight. I made a payment the day before it was due, but the system didn't count it until after the weekend, triggering a late payment fee, a missed payment on my credit file, and an FR. The first two were lifted as they could see the bill had been paid on time, but you can't stop an FR once it's started. It's not the end of the world, but it's a pain to go through.