So here is the funny thing about credit cards; they are confusing! Especially if you don’t know how to use them. It seems as simple as spend and pay by the due date, right? Well, actually that’s wrong. Here is a way to use your credit card to make sure you get the biggest score boost possible.

  • Contact your credit card issuer. The number can often be found on the back of your credit card.
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  • Ask your credit card issuer for your credit card statement close date.

You should pay your credit card on the due date but avoid using it until the statement close date. We have included a quick video to explain how it works.