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Joe, somewhere you wrote about how it is not good to pay your credit card balance off too early; search as I might, I couldn't find that statement from you. Any help on that is appreciated. (I tend to pay whatever balance hits the card a mere days after I used it, so I think I am in arrears on this one and want to understand the hit I might be taking from paying it off too soon.)
– Chelonian
Commented Aug 1, 2013 at 3:05
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@Chelonian It's not good to pay it off early if it means that you have 0% utilization when the final statement is posted, since that's a ding on your credit score. @ Joe I think the article Chelonian is referring to is Too Little Debt, but correct me if I'm wrong; I haven't been reading your blog for more than few months so I don't have all of the subjects memorized.
– John Bensin
Commented Aug 1, 2013 at 3:18
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@Chelonian I think it helped that in a recent answer, I linked to an answer Joe posted that referenced that exact post, so it was fresh in my memory.
– John Bensin
Commented Aug 1, 2013 at 3:35
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@JohnBensin and Joe: I'm going to try to implement this now, but I realize I am unclear as to how to know how long to wait. I view my credit card account/balance online, and if I buy something today it will show up on the balance immediately, but it is not yet "on the statement", I guess, and so paying it now is paying too soon for this tactic. Any general advice on how to time this right, or should I just try to inquire through my credit card company?
– Chelonian
Commented Aug 4, 2013 at 18:11
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How about waiting to see the bill and paying it in full? You need to pay attention to not exceed your credit line, or ideally 20% of the line. In the end, you should minimize your effort, unless you have great rewards, there's no point in pushing every last expense through the card.
– JTP - Apologise to Monica ♦
Commented Aug 4, 2013 at 19:56

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