When to pay off credit card to ensure credit score increases as effectively as possible

QuestionsWhen to pay off credit card to ensure credit score increases as effectively as possible
asked 3 years ago

I am in the process of building credit. I have a secured First Progress card and a Discover IT card. 

I am curious on how to effectively increase your credit score as best possible. 

 

How should it work, being the credit score updates monthly? 

 

Would I use the credit card and pay it off immediately the same day? 

Would I allow close to full-balance go into the next month (I don’t think so…) and then pay it off and allow it to be like 3-5% into the next month? 

Then Credit Socres would see the credit card being used, paid off, and then utilized only 3-5%.

 

OR should I use it, pay it, and only allow 3-5% to rollover into the next month and nothing more? 

 

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